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Full text of "Thirty-Ninth Massachusetts Life Insurance Report, 1894"

State Library 



OF 



MASSACHUSETTS. 



B. 



Return as Soon as Used. 






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< 

PUBLIC DOCUMENT .... .... No. 9. 



THIRTY-NINTH ANNUAL EEP0RT 



OF THE 



Insurance Commissioner 



OP THE 



Cnmrnontoraltk of IPassatlpsttts* 



January 1, 1894. 



PART II. 

LIFE, CASUALTY AND ASSESSMENT INSURANCE. 



BOSTON : 

WRIGHT & POTTER PRINTING CO., STATE PRINTERS, 

18 Post Office Square. 

1894. 



OiW 






TABLE OF CONTENTS 



[For Index to Companies, see end of volume.] 



COMMISSIONER'S REPORT. 

Page 

Introductory, v 

Fixed Premium Life Insurance, v 

Valuation Fees, . vi 

Accident Companies, vii 

Massachusetts Hospital Life, \ii 

Annual Statements, viii 

Assessment and Fraternal Corporations, xiii 

The Endowment Aftermath, xv 

Statistical Tables, Ratios, etc. (Regular Life) : . 

Table A. — Summary of Income, Expenditures, Assets, Liabilities, etc., . xxvi 

Table B. — Ratio of Real Estate and other Investments to Gross Assets, . xxviii 

Table C. — Disbursements in Detail, xxxii 

Table D. —Ratio of Expenses to Mean Amount insured, .... xxxvi 

Table E. — Claims by Death in 1893, with Ratios, etc., .... xxxviii 

Table F. —Policies issued, terminated and gained in 1893, ... xl 

Table G. — Classification of Policies and Insurance in force, . . . xlii 

Table H. — Policies ceased in 1892, with Mode of Termination, . . xliv 

Table I. — Massachusetts Business, 1893 xlvi 

Table J. — Miscellaneous Insurance Corporations — Accident, Fidelity, 

etc., xlviii 

Summary of the Business of Assessment Life, Casualty and Frater- 
nal Corporations : 

Table 1. — Assets, Income and Expenditures lii 

Table 2. — Certificates issued, ceased and in force, with Massachusetts 

Business, liv 

Fraternal Beneficiary Associations: 

Table 3. — Title, Location, Officers, lvi 

Table 4. — Income, Expenditures, Assets, Membership, .... lxxi 



IV TABLE OF CONTEXTS. 



DETAILED STATEMENTS. 

Page 

Massachusetts Life Insurance Companies, 1 

Life Insurance Companies of other States, 43 

Accident and Guarantee Companies, 197 

Assessment Life and Casualty Companies, 247 

Fraternal Beneficiary Associations, ........ 301 

Life, Accident and Casualty Companies of other States, with Amount 

of Business done by Each 335 

List of General Agents, 339 



Commcmforalilr of l^assat^itsdis. 



Insurance Department, Boston, May 8, 1894. 

To the Honorable the Senate and House of Representatives. 

Herewith is submitted, in compliance with the provisions of 
law, Part II. of the thirty-ninth annual report of this depart- 
ment, relating to life and casualty insurance, and containing 
also abstracts of the reports of the assessment and fraternal 
corporations. 

Fixed Premium Life Insurance. 

There was but one change during the year 1893 in the list of 
corporations transacting life insurance business in this Common- 
wealth. The Union Central Life Insurance Company of Cin- 
cinnati was admitted October 3. An application from the 
Prudential Insurance Company of Newark, X. J., for admis- 
sion to Massachusetts has just been granted. 

In the face of the extraordinary business and financial depres- 
sion, life insurance as a whole has shown a wonderful vitality. 
The net gain in policies issued in the year 1891 over the pre- 
vious year was 123,490 and in amount $318,956,380; in 1892 
the gain was 131,155 policies, covering $311,318,298 ; in 1893 
the gain was 135,180 policies and $309,717,191 in amount. 

The financial stringency finds illustration, however, in three 
items in the aggregates of policies ceased during the year. The 
number of policies surrendered was 35,327 in 1893, against 
2s, 225 in the previous year. The number permitted to lapse 
was 109,551, against 88,279 in the previous year, and the 
number not taken was 62,115, against 49,908 the previous 
year. There was paid upon policies surrendered nearly four 
and one-half millions more than during the year previous. 

Twenty-six companies transacting business in this Common- 



Vl REPORT OF THE 

wealth paid to policy-holders during the year $106,001,893, an 
increase of $8,514,172 over the year previous. 

The five Massachusetts companies issued during the year, not 
including the industrial business of the John Hancock, 19,204 
policies, covering $50,806,847. The net gain during the year 
was 6,815 policies, aggregating $15,195,153, and there was in 
force at the close of the year 102,909 policies, covering insur- 
ance to the amount of $277,133,773. 

The industrial business of the John Hancock at the close of 
the year amounts to 607,150 policies, with insurance in force 
in the sum of $73,043,678, an increase of 50,715 policies and 
$7,615,557. 

The companies of other States transacting business in Mas- 
sachusetts issued altogether during the year, not including the 
industrials, 357,081 policies, covering insurance to the amount 
of 8959,667,837, an increase in policies of 128,365, and in 
insurance of $294,522,038. There was in force at the end of 
the year in the twenty-six companies, excluding the industrial 
business, a total of 1,645,543 policies and of 84,451,686,630. 
The gross income during the year of all of the companies was 
$224,376,207, and their assets at the close of the year amounted 
to $947,022,002. The number of industrial policies in force in 
the three companies transacting business in this Commonwealth 
was at the close of the year 3,545,818, the insurance thereon 
amounting to $417,750,321, showing an increase in the num- 
ber of policies of 267,044 and in the amount of insurance of 
$46,053,917. 

Valuation Fees. 

The fee for the valuation of life insurance policies, originally 
fixed at one cent per thousand dollars of insurance, was intended 
solely to cover the cost of such valuation. Through the large 
increase in the volume of business and more thoroughlv 
tematized methods, it was found in 1884 that the receipts from 
this source so far exceeded the cost of the work that, upon the 
recommendation of the Commissioner, the Legislature that year 
reduced the valuation fee one-half. Again this year the receipts 
from this source were found to largely exceed the cost of the 
work, and upon the suggestion of the Commissioner the Legis- 
lature during the present session has reduced the valuation fee 
to two and one-half mills per thousand dollars of insurance. 



INSURANCE COMMISSIONER. Vll 



Accident Companies. 

Of companies other than life and fire there was admitted to 
the Commonwealth during the year the Fidelity and Deposit of 
Baltimore, Md., May 12, and the Union Casualty and Surety 
of St. Louis, Mo., May 22. The American Casualty and Se- 
curity of Baltimore, Md., went into the hands of a receiver 
November 25 and its business in this Commonwealth ceased. 

An examination of the American Employers' Liability Insur- 
ance Company by the New Jersey department, after the filing 
of its last annual statement, disclosed an impairment of tin 
capital of the company, and its agents in Massachusetts were 
notified to discontinue the solicitation of business until the im- 
pairment should be made good. As this report goes to press, 
the officers of the company inform the department that the re- 
quired amount has been paid in by the stockholders, and there 
only remains the examination and certificate of the New Jersey 
department to entitle the company to resume business in this 
Commonwealth. 

Massachusetts Hospital Life. 

As the business of issuing life insurance policies in this com- 
pany was discontinued many years ago and the last life policy 
has terminated, and its only business is now that of a trust 
company, which is reported to and under the supervision 
of the Commissioners of Savings Banks, no necessity or pro- 
priety any longer appeared to the Legislature of requiring 
statements to be made to this department. It is accordingly 
exempted therefrom by the following act : — 

An Act relative to returns to be made by the Massachusetts 
hospital life insurance company. 

Be it enacted, etc., as follows : 

Section 1. The Massachusetts Hospital Life Insurance Company 
is hereby exempted from making returns to the Insurance Commis- 
sioner during such time as it refrains from issuing policies of life 
insurance in this Commonwealth. 

Sect. 2. This act shall take effect upon its passage. [Approved 
Feb. 10, 1894. 



Vlll REPORT OF TIIH 

Annual Statements. 

The standard blank for the annual statement of the life 
insurance companies was adopted by the convention of Insur- 
ance Commissioners at its session in the year 1875. It \\ 
the result of much careful study by life insurance experts and 
consultation between the Commissioners and the compani< 
and was believed to represent the best life insurance book- 
keeping information of that date. In some of its particulars 
there have been modifications from time to time, as experience 
has shown their propriety, or as has been required by changing 
laws of the various States, and there have been some additi< 
to the original for the same reasons ; but in its general form 
and all its essentials it remains as first adopted. 

The statement blank starts out by asking the actual amount 
of ledger assets at the beginning of the year. Following this 
comes what was intended to be a clear and distinct exhibit of 
the actual income for the year. These two accounts together 
show the amount of the company's property that has been in 
hand during the year. If from their sum is deducted the 
actual expenditure of the year there will appear the assets 
remaining in hand at the end of the year, that are to be 
accounted for in the detail of ledger assets that follows. 

These ledger assets consist of (1) the investments and realized 
funds, and (2) ledger credits and values claimed. The first 
named are supposed to represent the exact amount of money 
value the company has laid out in acquiring the properties 
held. Actual cost is called for. Then if changes of value have 
occurred during the holding, appropriate places for entry of 
these changes are provided below the total of ledger entries, 
and places are also provided for the entry of such other values 
as are claimed by the company, but which have not come into 
the treasury through the cash income, such as accrued interest 
and rent, market value of securities above their cost, net unpaid 
premiums in offset to charge in reserve liabilities, etc. 

There has, however, grown up a practice in the statement 
of the ledger assets of some of the companies which renders 
it impossible to make any comparison or even to know what 
has been the actual cost of the securities held in several of the 
companies. The blank calls for "cost" value of real estate, 



INSURANCE COMMISSIONER. ]X 

stocks and bonds, but " cost" has been marked out and " book" 
or " cash" or " par" value substituted. At the time the blank 
was adopted it was held by the book-keepers that as these 
items were to be copies of the ledger entries anything but 
" cost "would be incorrect and improper. If " cost " has now 
ceased to be the value suitable to the entry, the proper one 
should be agreed upon and uniformity in its use required. The 
variation should never have been permitted. 

If these three accounts, Income, Outgo and Assets, are 
fairly and clearly stated it is an easy matter for any one w T ith 
the most moderate knowledge of book-keeping to trace the 
year's actual money transactions of any company. There is, 
and should be, no puzzle in it ; it is as simple as the plainest 
mercantile or banking accounts. 

These great massive properties and transactions are, from 
the very nature of the case, entirely beyond the reach and ken 
of their owners, the policy-holders, but it does not seem unrea- 
sonable that they should be furnished a consistent statement of 
the results of the management and the condition of their own 
affairs, and such a one as can be readily comprehended, at least 
so far as relates to book entries. There is enough of the 
abstruse inseparable from life insurance affairs, and whenever 
anything can be made plain surely the policy-holder is entitled 
to that refreshment. 

But these accounts in many cases have not been kept clear 
and plain ; not infrequently there have been allowed to slip in 
elements that have hardly a conceivable relation to the original 
intent of the item. From one degree to another they have 
sometimes become so distorted that it would be impossible 
for any man alive to pick up the statement and say how much 
money the company has received and paid out within the year, 
or what the property held by the company has cost. 

The income and expenditure accounts were designed for the 
purpose of showing primarily and especially (1) the actual 
money paid in and paid out, and (2) those journal entries of con- 
structive income and outgo which, while not representing the 
actual passing of money, would show the equities accrued 
and credits granted to policy-holders under their contracts 
and in their participation in the savings and profits of the 
business. 



X REPORT OF THE 

The form and language of these accounts were intended and 
supposed to be so clear and explicit that there would be no 
danger of confusing the two classes of items. And it could 
not have been imagined by the framers of the blank that, for 
instance, the first item of income, " Cash received for premium- 
on new policies," could ever be stretched to contain " Dividends 
accrued, not allotted," " Dividends declared and applied as pre- 
miums for reversionary additions," or ' ' Surrender values applied 
as premiums for paid-up insurance." 

Similar and corresponding eccentricities are to be observed 
also in the entries in the expenditure account, in either ca 
not one cent passing into or out of the company's till. 

As was stated in report of last year, there is no condition 
not in control of the managers that gives any indication of 
inability of the companies to fully meet their contracts. But 
the public demand the facts and that they be stated clearly and 
in such a manner as not to be susceptible of an entirely different 
coloring than that given by the company. If, for instance, the 
cash income for the year from new policies is $50,000, let it be 
so stated, and not put at $100,000 with a string to half of it. 
The people want the truth in respect to these institutions in 
which their fortunes and hopes are so lanrelv staked and 
invested : they are entitled to it and must have it if their con- 
fidence is to be retained. 

However the departures from the original intent of the blank 
may have come about, it is not fair to chanre all the fault of 
the perversion of accounts upon the companies. An equal or 
greater responsibility rests upon the departments which have 
passed upon and accepted them, and this department is willing 
to accept its fair share of responsibility for the delinquency. 

If upon the first and each detected slip from the proper use 
of the items the attention of the companies had been called to 
it and they had been admonished to srive heed to the language 
and purpose of the blank, there would not have been exhibited 
the grotesque jumble which of late has distorted the record of 
money transactions in several of the annual returns. But this 
was not done, and the early vagaries and substitutions passing 
the careless and slipshod audit of the departments without com- 
ment, it might easily come to be supposed by the companies 
that the perverted methods were unobjectionable, until at last 



INSURANCE COMMISSIONER. Xi 

the sanction of usage and precedent comes to plead for their 
continuance. 

And it is clear enough that, if the policy-holders and the 
public are to be permitted to form any just and businesslike 
appreciation of the transactions of the companies and their 
progress, such practices as above alluded to must be aban- 
doned and a return made to the starting point, as indicated in 
the blank forms ; and if the questions there lack clearness and 
precision, as has been complained by some, new ones which 
shall unmistakably indicate what is desired should be devised, 
if any one has the wit to accomplish it. 

With the view to a beginning in this direction, the following 
circular was attached to the blank forms sent out for the state- 
ments which appear in this report : — 

Commonwealth of Massachusetts, Insurance Department. 
To the Secretary. 

From the varying methods of filling the premium items in Income 
account of annual statement by the different companies, it would seem 
that the intent of the items is not understood alike by all. 

The first question calls for " Cash received for premiums on new 
policies," and means just what it says. In some of the statements 
there is entered here, as there should be, only the cash actually re- 
ceived over the counter in payment of premiums on new policies. In 
others, however, there are included the sums applied as single pre- 
miums in commutation of lapsed policies, and in some the dividends 
declared during the year and applied in payment for reversionary 
additions are also included in this item. 

The company derives its cash income from three sources : pre- 
miums, interest and rent for the use of its property, and profits on 
property sold. These should be clearly stated, so that the exact 
amount of cash coming into the treasury each year from each source 
can be known. 

Obviously, the application of dividends to the purchase of rever- 
sionary additions, and of reserves on lapsed policies in payment for 
paid-up insurance, are not cash transactions over the counter. Item 
3 was made expressly to receive these amounts, and the secretary is 
requested to call the attention of the compiler of the statement to this 
fact in order that they may be properly entered. 

Yours respectfully, 

George S. Merrill, 

Insurance Commissioner. 



XI 1 REPORT OF THE 

The results of the circular have been very satisfactory, and 
show not only the easy practicability of the desired separation, 
but also the general approval and acquiescence of the companies 
in such a motion. 

The Commissioner disclaims any intention or desire of 
attempting to teach a company how it should keep its Income 
and Outgo accounts for its own office purposes. It may be 
quite convenient for a book-keeper to make entry in one or 
both of these accounts for every vicissitude of the policy, and 
so it might happen that, in cases of close reckoning upon 
quarterly-payment policies, which by their terms may be en- 
titled to become paid-up upon lapsing, a half dozen entries a 
year might be made in a single case. Under such a practice it 
would be possible to swap back and forth in the accounts the 
reserve applicable to paid-up insurance upon a lapsing policy 
as many times a year as an instalment of a premium falls due 
and is not paid upon the hour, but is afterwards restored upon 
payment of the amount due within the term of grace. But the 
sum of these entries upon either side would show an exagger- 
ated condition out of all proportion to the actual net results of 
the company's transactions. This may be all very well and 
proper for the book-keeper's purposes, and the Commissioner 
has no quarrel with him on that account, but it is not at all 
fitting for the purposes of a public financial statement. 

Besides the dividends and surrender values applied to pay 
premiums, which appear as journal entries of Income and Ex- 
penditures, other incidents of a company's transactions may 
fairly claim place in these accounts as constructive items of the 
same nature, — the instalment plan of paying losses, for exam- 
ple. If the reserve upon a lapsing policy is allowed to figure 
both as a cash-premium receipt for paid-up insurance in Income 
and as cash paid for surrender value in Expenditures at the 
same moment, there seems no reason why the instalment 
accounts should not be allowed the same natterino; treatment. 
If dividends declared and allocated — something accrued under 
the contract (no money passing) — may properly appear 
actual money transactions in both Income and Outgo, why 
should not the company similarly enter the accrued claim under 
an instalment policy in Income as " Amount received for annu- 
ities," with a corresponding offset in Expenditures? By the 



INSURANCE COMMISSIONER. Xlll 

same reasoning this "double entry" might be worked upon 
every death or endowment claim, and the accounts reduced to 
absurdity. 

Considering the variety of plans for keeping these accounts 
in the various life offices, to make a uniform rule for their pres- 
entation in the annual statements that shall represent all parties 
fairly and alike,, it is evident that the line must be sharply 
drawn. On one side of it must be shown only the actual cash 
transactions ; on the other, such journal entries as represent 
the relations and dealings that affect the status of the office 
.affairs, but do not represent actual cash passing to or from the 
company's treasury. And it might be well if only the formei 
items were extended and allowed to enter the footings that 
show the actual income and outgo of the business, while the 
latter might be carried inside in the exhibit, as mere memoranda 
of book-keeping, where they would serve all their useful pur- 
poses without the danger of inflating the records of actual cash 
transactions. The only safety lies in discarding from both 
sides the entire fictitious series, or, what is the same in effect, 
carrying them short, as memoranda simply. 

The Excessive Cost of New Business. 

In the last annual report was urged the injustice and danger 
of the present practice of the companies in compensating the 
soliciting agent by a flat brokerage much in excess of the 
expense loading upon the premium, which excess must be 
borrowed from the surplus, and in case of lapse of the policy 
in first year must prove a dead loss to the persistent policy- 
holders. It was suggested that instead of this method the 
agent's commission should be distributed over a succession 
of premiums, and in no year to exceed the expense loading. 
There should be no hesitation or delay in applying such a 
measure of business prudence and fairness, putting a stop once 
and for all to this rank waste of the moneys of the older policy- 
holders. 

The hope that the companies would themselves reform this 
pernicious practice, — to-day one of the greatest perils of the 
business, — seems likely to prove illusive, and there appears 
to be left no remedy, in justice to those who are unfairly 
made to bear this cost and in the interests of honest insurance 



XIV REPORT OF THE 

methods, but the enactment of a statute forbidding any com- 
pany to pay or allow for the procurement of new business, or 
in any year, an amount of commission in excess of the expeii 
loading upon the premiums. 

Assessment and Fraternal Corporation-. 

Despite the stringency of the times and the continued de- 
pressing effect of the endowment disasters, the assessment com- 
panies transacting business in this Commonwealth have made a 
material increase in membership and in assets, although quite 
naturally in neither case so large as during the preceding year. 
The life companies in this class show net assets above ten mil- 
lions of dollars, with a membership all together of 332,950, 
representing insurance in force of $891,750,032. 

The fraternal corporations had a membership at the close of 
last year of 722,161, a gain during the year of 32,007, with 
assets of $2,079,226. The payments for death and disability 
purposes during the year amounted to $16,891 at an 

expense cost of $1,270,422. 

An examination of the list of membership shows 56 of tl 
corporations with a membership of less than 50 each, the latter 
decreasing during the year in 27 and remaining at a stand-still 
in 16. There are 47 with a membership between 50 and 100, 
of which 21 showed a decrease and 21 additional remained at 
a stand-still. With a membership between 100 and 200 there 
are 44, of which 21 showed a decrease and 18 remained at a 
stand-still. Altogether, 147 of these corporations have a 
membership of less than 200 each. About one-half of these 
are local in their character, — police, firemen, and similar asso- 
ciations, — and cannot be expected to have at any time other 
than a small membership, and are unquestionably doing an 
excellent work. The remainder, however, are of more general 
character, many of them having at one time attained consider- 
able size, but from various causes now dwindled to insignifi- 
cance ; others were started upon an ambitious scale, largely by 
former officers of the defunct endowment associations, more to 
provide positions and profit to individuals than for any purpose 
of public good. These barely exist, too weak to live and too 
feeble to decently die. Xo good purpose whatever is sub- 
served by their further continuance, while they are a menace 



INSURANCE COMMISSIONER. 



XV 



to the proper work carried on by legitimate corporations of 
this class. 

An examination of the table of receipts and expenditures 
shows that in very many of these latter during the past year 
the funds contributed by the members have been disbursed in 
a proportion on expense account as contrasted with death and 
disability payments which sufficiently illustrates the exact pur- 
pose for^which they are being perpetuated. The following is 
a list of a few conspicuous examples of this character : — 



Death and Disability 


Expense Payments. 


Death and Disability 


Expense Payments. 


Payments. 




Payments. 




$660 


$1,708 


_ 


$1,320 


24 


485 


$70 


477 


30 


600 


486 


1,122 


65 


948 


— 


954 


185 


753 


— 


404 


242 


762 


94 


528 


— 


113 


70 


830 


- 


309 


- 


2,188 


— 


, 1,018 


120 


1,733 



Unfortunately, the statute provides no means for the wind- 
ing up of corporations of this class. The Commissioner is not 
authorized to institute proceedings in this direction, no matter 
what may appear to be the condition or character of any or 
many of such corporations. The officers in control are either 
reluctant or indifferent to any suggestion looking to the closing 
up of these cumberers of the ground, or are not in possession 
of sufficient funds to even take the legal steps necessary thereto. 
The statute should be so amended as to provide a method, 
through the courts of the Commonwealth, for the closing of the 
affairs of any corporation of this class whose days of usefulness 
are ended, or which remains only as a drain upon the pockets 
of its certificate holders. 

In the matter of the Home Eelief Association of Lynn, 
which was enjoined upon the application of the Commissioner 
in 1891, Homer Albers, Esq., being appointed receiver, 18 
claims were allowed, amounting to $20,000, upon which a divi- 
dend of 20J per cent, was paid Dec. 11, 1893, and the corpo- 
ration awaits only the final decree of the court for its dissolution . 



XVI REPORT OF THE 

The Pioneer Life and Casualty Insurance Company, upon 
application of the Commissioner, was declared to be insolvent 
in November, 1891, and Mr. Albers appointed receiver. The 
assets amount to about $300, and no decree has yet been 
entered by the court in relation to the corporation. 

The Endowment Aftermath. 

Following the legislative enactment closing the affairs of the 
eight then living or dying endowment corporations, upon the 
application of the Insurance Commissioner, receivers were 
appointed, and the following brief summary shows the progress 
thus far made towards winding up the affairs and distrib- 
uting the remaining assets in these unfortunate and delusive 
concerns : — 

Those Finally Settled. 

International Benefit Order. — Robert H. Bowman, re- 
ceiver, 10 Tremont Street, Boston ; appointed by Superior 
Court, October, 1892. Total membership, 5,269. Claim- 
proven, 2,850. Assets, $45,485. Dividend of 88 per cent., 
amounting to $42,303, paid Sept. 8, 1893. 

Fraternal Circle. — Payson E. Tucker, receiver, 82 Dev- 
onshire Street, Boston ; appointed by Superior Court, Febru- 
ary, 1892. Total membership, 14,54*. Claims proven, 
8,238. Assets, $364,635. Dividend of 69.6 per cent, on 
Class A and 52.6 per cent, on Class B paid Jan. 10, 1894. 

North American Endowment Associates. — George H. 
Poor, receiver, 54 Devonshire Street, Boston ; appointed by 
Superior Court, December, 1892. Total membership, 8,000. 
Claims proven, 1,200. Assets, $31,000. Dividend of 94 per 
cent, paid in September, 1893. 

Industrial Benefit Order. — Charles L. Abbott, receiver, 
48 Congress Street, Boston ; appointed by Supreme Court, 
April, 1892. Total membership, 1,679. Claims proven, 759. 
Assets, $24,967, including some worthless securities. Divi- 
dend of 47.5 per cent, paid Sept. 15, 1893. 



INSURANCE COMMISSIONER. XV11 

Guardian Endowment Society. — Wilbur H. Powers, 
receiver, 209 Washington Street, Boston ; appointed by Su- 
perior Court, February, 1893. Total membership, 4,304. 
Claims proven, 1,241. Assets, $26,297. Dividend of 56 per 
cent, paid Jan. 12, 1894. 

Bay State League. — Clement K. Fay, receiver, 5 Tre- 
mont Street, Boston ; appointed by Supreme Court, February, 
1892. Total membership, 23,637. Claims proven, 13,980. 
Assets, $305,557. Dividend of 64.5 per cent, paid Dec. 18, 
1893. 

Order of North Star. — John A. Noonan, receiver, 61 
Court Street, Boston ; appointed by Superior Court, January, 

1892. Total membership, 2,283. Claims proven, 748. As- 
sets, $11,089. Dividend of 30.5 per cent, paid July 15, 
1893. 

American Co-operative Union. — Albert D. Bossom, re- 
ceiver, Ames Building, Boston ; appointed by Superior Court, 
December, 1892. Total membership, 1,428. Claims proven, 
430. Assets, $20,530. Dividend of 76.25 per cent, paid 
May 1, 1893. 

Progressive Benefit Order. — Arthur Lox'd, receiver, 
13 Exchange Street, Boston ; appointed by Superior Court, 
February, 1892. Total membership, 56,000. Claims proven, 
9,349. Assets, $54,947. Dividend of 13 per cent, paid Oct. 
16, 1893. 

People's Five- Year Benefit Order. — James C. Davis, 
receiver, 65 Mason Building, Boston ; appointed by Supreme 
Court, January, 1893. Total membership, 24,820. Claims 
proven, 12,003. Assets, $579,383. Dividend of 86.33 per 
cent, paid Jan. 5, 1894. 

National Benefit Union. — Thomas Weston, receiver, 42 
Court Street, Boston ; appointed by Superior Court, February, 

1893. Total membership unknown. Claims proven, 197. 
Assets, $8,175. Dividend of bo.S per cent, paid Sept. 28 y 
1893. 



XV111 REPORT OF THE 

International Fraternal Alliance. — John P. Leah}-, 
receiver, 31 Pemberton Square, Boston ; appointed by Supreme 
Court, June, 1893. Total membership, 3,900. Claims proven, 
356. Assets, $10,310. Dividend of 90 per cent, paid D< 
22, 1893. 

Benevolent Union. — Samuel C. Bennett, receiver, 10 
Tremont Street, Boston ; appointed by Supreme Court, July, 

1892. Total membership, 1,300. Claims proven, 750. Assets, 
$32,000. Dividend of 60.5 per cent, paid Jan. 27, 1894. 

Order of Safety. — Franklin B. Davis, receiver, Law- 
rence; appointed by Supreme Court, August, 1892. Total 
membership, 912. Claims proven, 254. A- $14,731. 

Dividend of 100 per cent, paid Jan. 28, 1893. 

The Solid Kock. — Marcus Morton, receiver, 57 Equitable 
Building, Boston ; appointed by Supreme Court, January, 

1893. Total membership, 2,497. Claims proven, 1,0 
Assets, $32,787. Dividend of 76 per cent, paid Nov. 4, 1893. 

Golden Temple. — Harvey X. Collison, receiver, 5 Tre- 
mont Street, Boston ; appointed by Superior Court, July, 
1892. Total membership, 3,646. Claims proven, 1,470. 
Assets, $20,530. Dividend of 176.4 per cent, paid Jan. 22, 
1894. 

Order of Franklin. — Henry A. TVyman, receiver, 914 
Exchange Building, Boston ; appointed by Supreme Court, 
August, 1893. Total membership, 2,500. Claims proven, 
403. Assets, $8,433. Dividend of 31 per cent, paid in 
March, 1894. 

National Congress of Friends. — Henrv A. TVvman, 
receiver, 914 Exchange Building, Boston : appointed by the 
Superior Court, June, 1892. Total membership, 3,000. 
Claims proven, 558. Assets, $11,140. Dividend of 56 per 
cent, paid March 24, 1893. 

The Royal Ark. — Henry A. Wyman, receiver, 914 Ex- 
change Building, Boston ; appointed by Superior Court, Sep- 
tember, 1891. Total membership, 16,000. Claims proven, 
3,013. Assets, $9,392. Dividend of 5.5 per cent, paid July 
19, 1893. 



INSURANCE COMMISSIONER. XIX 

National Fraternal and Beneficial Union. — Henry A. 
Wyman, receiver, 914 Exchange Building, Boston ; appointed 
by Supreme Court, August, 1893. Total membership, 250. 
Claims proven, 14. Assets, $385. Dividend of 100 per cent, 
paid March 2, 1894. 

American Mutual Relief Association. — Henry A. Wy- 
man, receiver, 914 Exchange Building, Boston; appointed 
August, 1893. JSo statement of membership, # of claims or of 
assets was procurable by the receiver. The corporation en- 
joined from further conduct of business. No dividend. 

American Friendly Society. — Henry A. Wyman, re- 
ceiver, 914 Exchange Building, Boston ; appointed by Supreme 
Court, August, 1893. Total membership, 400. Claims proven, 
222. Assets, $2,769. Dividend of 32 per cent, paid Jan. 26, 
1894. 

Order of Unity. — William R. Trask, receiver, 53 State 
Street, Boston ; appointed by Supreme Judicial Court, June, 
1893. Total membership, about 4,000. Claims proven, 2,378. 
Assets, $36,668. Dividend of 31J per cent, distributed March 
17, 1894. 

Massachusetts Five Year Federation. — J. A. Stock- 
weJl, receiver, 29 Pemberton Square, Boston ; appointed by 
Superior Court, December, 1891. Total membership, 235. 
Only 3 claims proven. Assets, $195, which court allowed re- 
ceiver for compensation and expenses. 

Order of Helping Hand. — B. B. Jones, receiver, Haver- 
hill ; appointed October, 1892, by Superior Court. Total 
membership, 7,876. Claims proven, 3,815. Assets, 8232,883. 
Dividend of 89^ per cent, was paid in August, 1893. 

National Three-Year Benefit Order. — E. C. Bumpus, 
receiver, 53 State Street, Boston ; appointed by the Superior 
Court, February, 1892. Total membership, 3,301. Claims 
proven, 1,615. Assets, $28,199. Distribution of funds has 
already been made. 



XX REPORT OF THE 

Commercial Endowment Order. — Henry A. Kimball, 
receiver, Northampton ; appointed by Supreme Judicial Court, 
May, 1893. Total membership, 1,981. Claims proven, 527. 
Assets, $34,853. Distribution of funds, being a dividend of 
99 per cent., was made in November, 1893. 

Order of the Rainbow. — John C. Burke, receiver, 
Lowell; appointed by Superior Court, June, 1892. Total 
membership, aljout 2,200. Assets, $4,100. Distribution of 
funds, being a dividend of over 100 per cent., was made in 
August, 1893. 

Household Benefit Association. — Curtis L. Perkins, 
receiver, 25 Congress Street, Boston ; appointed by Supreme 
Judicial Court, March, 1893. Total membership, 550. Claims 
proven, 430. Assets, $14,573. The affairs of the corporation 
are practically settled, distribution of funds being made in 
October, 1893, 92^ per cent, on benefit fund, or 55 per cent, 
on total amount paid in, having been paid. 



Settlement Pending. 

American Protective League. — Henry AV. Putnam, re- 
ceiver, 85 Devonshire Street, Boston ; appointed by Superior 
Court, November, 1892. Total membership, 8,182. Claims 
proven, 3,275. Assets, $129,000. Partial dividend of 20 per 
cent, paid Oct. 21, 1893. Litigation as to lease of building 
occupied by company and other suits still pending, which pre- 
vents final settlement. Probably small additional dividend to 
come. 

Red Cross. — Samuel K. Hamilton, receiver, 31 Milk 
Street, Boston; appointed by Superior Court, June, 1893. 
Total membership, 8,995. Assets, about $4,000. The death 
of the first receiver, Charles G. Pope, delayed adjudication of 
the affairs of the corporation. Xo claims have been proven 
and it is doubtful if the assets will prove more than sufficient 
to pay the expenses of winding up the concern. 

Golden Grail. — Joseph I. Bennett, receiver, 61 Court 
Street, Boston ; appointed by Superior Court, September, 



INSURANCE COMMISSIONER. XXI 

1891. Total membership, 25,000. Claims proven, 4,815. 
Assets, $48,000, with doubtful assets of §45,000 additional. 
A partial dividend of 11 per cent, is now being paid. 

Mystic Seven. — David E. Gould, receiver, 53 State 
Street, Boston ; appointed by Superior Court, November, 
1891. Total membership, 4,675. Claims proven, 1,127. 
Assets, $4,605. Dividend of 10 per cent, is now being paid. 

People's Favorite Order. — Thomas J. Barrv, receiver, 
48 Congress Street, Boston ; appointed by Superior Court, 
March, 1892. Total membership, 2,465. Claims proven, 
661. Assets, $13,274. Receiver states that dividend can be 
paid in about three months. 

Order of ^Egis. — Alfred Hemenway, receiver, 5 Tremont 
Street, Boston; appointed by Supreme Court, October, 1892. 
Total membership, 16,000. Claims proven, 7,345. Assets, 
$219,510. Final dividend, 20 per cent, on class two and par- 
tial dividend of 50 per cent, on class one, is now being paid 

Golden Liox. — Geonre S. Hale, receiver, 10 Tremont 
Street, Boston ; appointed by Supreme Court, December, 
1891. Total membership, 12,353. Claims proven, 8,225. 
Assets, $217,234. Dividend of 100 per cent, was paid Oct. 
23, 1893, and like dividend is now being paid upon assigned 
claims. Suits are pending against the officers for excessive 
salaries, and a small additional dividend will probably be paid 
later. 

Mutual Ox'e-Year Bex"efit Order. — Sherman L. Whip- 
ple, receiver, 5 Tremont Street, Boston ; appointed by Supreme 
Court, February, 1892. Total membership, 17,776. Claims 
proven, 6,391. Assets, $105,798. First dividend of 33 per 
cent, was paid Jan. 18, 1894. 

Kxights axd Ladies of Protectiox. — Charles F. Kit- 
ridge, receiver, 27 School Street, Boston ; appointed by Su- 
perior Court, February, 1892. Total membership, 1,355. 
Claims proven, 423. Dividend is delayed, awaiting final deci- 
sion by Supreme Court upon a number of suits. 



XX11 REPORT OF THE 

Order of Equity. — N. Sumner Myrick, receiver, 92 
State Street, Boston ; appointed by Superior Court, July, 
1893. Total membership, 2,1G5. The time for proving claims 
has not yet expired. Assets, about $40,270. Dividend await- 
ing decree of court. 

Industrial Order of America. — John P. Leahy, receiver, 
31 Pemberton Square, Boston ; appointed by Superior Court, 
August, 1892. Total membership, 1,000. Claims proven, v 7. 
Assets, $2,458, not including a claim of uncertain value against 
Suffolk Trust Company. Dividend of 30 per cent, paid Sept. 
22, 1893. Probably additional small dividend. 

Catholic Crusaders of the Holy Cross. — John A. 
Noonan, receiver, Gl Court Street, Boston ; appointed In- 
Superior Court, August, 1893. Total membership, ' 
Claims proven, 219. Assets, $1,268. Dividend of 24 per 
cent, probably now being paid. 

Union Reserve Fund Associates. — John F. Haskell, 
receiver, Lowell ; appointed by Superior Court of Middlesex, 
May, 1893. Total membership, 4,558. Xo decree yet fixing 
time in which to prove claims. Assets, nominally $94,540, 
which will be reduced quite largely through the uncertain value 
of certain mortgages. Suits are pending against supreme offi- 
cers and no likelihood of a settlement during the current year. 

<_ «. 

United States Tavo-Year Benefit Order. — Joseph I. 
Bennett, receiver, 61 Court Street, Boston ; appointed by 
Supreme Court, July, 1892. Total membership, 3,132. 
Claims proven, 1,280. Assets, $32,000. Doubtful when 
dividend will be paid. 

Union Endowment. — Henry E. Turner, receiver, 186 
Devonshire Street, Boston ; appointed by the Superior Court, 
September, 1892. Total membership, 999. Claims proven, 
982. Assets, $31,952, with additional securities of a face value 
of $11,000. These latter cannot at present be sold except at a 
great sacrifice. Receiver is about ready to pay a partial divi- 
dend of 55 per cent., holding the above securities for later sale. 



INSURANCE COMMISSIONER. XX111 

Massachusetts Prudential Order. — John Haskell But- 
ler, assignee, Globe Building, Boston; appointed by Insol- 
vency Court. Assets, about $500. Distribution awaiting 
order of the court. 

Non-Secret Endowment Order. — Willis E. Sibley, re- 
ceiver, Worcester; appointed by Superior Court, February, 
1893. Total membership, 7,392. Claims proven, about 1,000. 
Assets, about $102,000. Time for proving claims lapses June 
1, 1894, and the distribution will be made soon after that date.. 

Order of the World. — John K. Baldwin, receiver, Lynn ; 
appointed by Superior Court of Essex County, December, 1892; 
Total membership, 4,656. No time has yet been assigned for 
proving of claims. Assets, about $45,000. Some months will 
elapse before distribution will be made. 

Order of the Iron Hall. — Robert A. Knight, receiver, 
appointed by Superior Court of Worcester County, November, 
1892. Membership in Massachusetts, about 9,200. Claims 
proven, about 7,900. Assets, $288,000. By decree of the 
Supreme Court the Massachusetts receiver has been directed to 
turn over all assets in his possession to J. F. Failey, Esq., the 
general receiver at Indianapolis, with all claims proven up to 
May 7. 

Sons and Daughters of America. — George T. Lincoln, 
receiver, 209 Washington Street, Boston ; appointed by Superior 
Court, December, 1893. Total membership, 1,181. Claims 
proven, 85. Assets, $4,012. Distribution of funds now being 
made. 

The Annual Friend. — John C. Burke, receiver, Lowell; 
appointed March, 1892. No assets came into the hands of 
receiver. Suit was brought against the former officers for mis- 
appropriating the funds in excessive salaries to themselves, 
and receiver has recovered judgment for $18,000, and is now 
endeavoring to collect a portion of the sum. No progress has 
therefore been made towards proving claims. 



XXIV REPORT OF THE INSURANCE COMMISSIONER. 

Friendly Aid Society. — Henry A. Wyman, receiver, 914 
Exchange Building, Boston ; appointed by Supreme Court, 
September, 1891. Total membership, 18,000. Claims proven, 
2,939. Assets, $27,G18. Partial dividend of 7 per cent, paid 
August 14, 1893. 

Abraham Lincoln Benefit Association. — Thomas Milli- 
gan, receiver, Everett; appointed by Supreme Judicial Court, 
July, 1893. Total membership, 318. Claims proven, 37. 
Assets, $1,172. Final report made to court in April, 1894, 
and distribution of the funds expected at once. 

Royal Assurance League. — William A. Morse, 79 Equi- 
table Building, Boston, and Sherman L. Whipple, 5 Tremont 
Street, Boston, receivers ; appointed by the Insolvency Court 
of Suffolk County, February, 1892. Total membership, 714. 
Claims proven, 173. Assets, $1,928. Anticipate a distribu- 
tion of the funds this month. 

Knights and Ladies of Columbia. — Chester A. Reed, 
receiver, 209 "Washington Street, Boston ; appointed by Supreme 
Judicial Court, September, 1892. Total membership, 3,400. 
Claims proven, 588. Assets, 3,349. A dividend of 7 per 
cent, was paid in December, 1893. Suits are still pending 
against former officers of the corporation. 

Fraternal Associates of America. — Charles P. Gorely, 
receiver, 19 Milk Street, Boston ; appointed by Superior Court, 
November, 1892. Total membership, about 40. Xo claims 
proven. Assets, $747 and notes to the amount of $1,113. 
Receiver is endeavoring to collect the notes. Xo distribution 
has been made and probably some months will elapse before 
the affairs of the corporation can be closed. 

Respectfully submitted, 

GEO. S. MERRILL, 

Insurance Commissioner, 



STATISTICAL TABLES. 



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CO 


CO 


o 


o 


l» 


CO 


1-4 


t— 


CO 


OS 


t^ 


t— 


OS 


CO 




























CM 


CO 


t-~ 


os 


CO 


lO 


CM 


o 


.—1 




1—1 


OS 


o 


i— ( 


l-H 


CO 


■^ 




CM 


IQ 


CM 


CM 




I— t 







os 



o 
o 

co_ 

ao 

o 



go 

to 



OS 



O 



i— I i— I CO 



o 


i—( 


CO 


co 


CO 


CO 


o 




O 


r— 


»ra 


o 


r^. 


CO 


"<+l 


CO 


OS 


t^ 


ira 


t~ 


© 
















1^. 


CO 


co 


cs 


CM 


o 


r^ 


r>. 


co 


i— i 


OS 


CM 


cs 


i^ 


o 


t— 


T* 


o 


cs 


CO 


r— 
















CM 


T* 


l-H 


CM 


CO 


kO 


CO 


CM 


CM 




i— 1 


1—1 







o 


CO 


o 


-*t* 


CO 


-H 


•* 


o 


o 








r^ 


o 


o 


o 


CO 


r^ 


»o 


■**• 


CO 








CM 


CM 


o 




l-H 


CO 



CO 


iO 


o 




CM 


"** 


CO 


t~- 


o 








CO 


■*f 


no 


o 


CM 


CO 


1^. 


Tt* 


>o 








I— ( 


CO 


t— 



CO 

of 



oo 



CM 

CO 
CO 



lO CO •— ' 



<M^ 

co" 

1—1 

CM 



co 



CO 

ta 

05 



cm" 



CM 
CM 

©_ 

"*• 



i— I cs 
co cs 

CO CO 



OO 

o 

CM 



O O 

o o 

o o 

o" o" 

o o 

l-H O 

CM 



o 
o 
o_ 

o~ 
o 
o 



o 

o 
o 



o 
o 
o 



o © 
© c 

o o 






co 

o 

CM 



m= ۩= 



CO 


OS 


o 


CO 


co 


o 


l^ 


OS 


CM 








*C 


OS 


OS 


CO 


CO 


o 




CM 


h~ 








CM 


o 


CO 


t— ( 


co 


1— < 






o 


_- 


CO 


CM 


1— 1 


uo 






o 


CO 


CO 


CM 


oo 


OS 


m 


i& 



€©= €& 



O 
CM 



CM 









<c 






c 




OS 




c 


-i-j 




c 
as 


* 


cd 


"o 




« 


,_•" 


cS 


15 


"oi 




^J 


o 


s 


3 


o 







-u 




aJ 


t> 


3 


3 


CS 


a 


a 


S 




» 



o 



c 
o 



o 



a 

•-c 

-a 

,o 



o 



to 
c 
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<A 
73 



^3 p 3 ■— ■ 



Pi H 



O 

C3 

o 

'a 
D 



ad 

a 

M 

d 

.2 
a 



OQ 

T3 



o 
to 



— oo 



eg 



-o 
— 








P 



ad 



ad 

a 
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a 

5 



XXV1U 



STATISTICAL TABLES. 



o 

a 

O 

o 

H 

CO 

H 

H 

co 

55 



M 

W 
W 

E- 

o 

w 

E- 
*1 
Ei 

CO 



< 
c 



Eh 



0* 
W 



•x* 



OJ 

© 






10 



«C «C I-H 



» 



o i-T 
cm 



cr, 


r>. 


— 


i - 


CO 


o 




-.-. 


« 


e 


OS 


•o 


eo 


eo 






«c 


i - 


A 




c; 


>~ 






OB 


CN 



as 


W3 


*/0 

o 


Ci 


o 


i - 


a 

CN 


1^. 

i— 1 


CN 


1- 


CN 


CO 
CO 



CN 



•—I 


o 


r— 1 


Ol 


i— i 


o 


— 


cc 


CI 


to 


co 




1— 


l^ 


CO 




Ci 


— 
















■ra 


00 


— 








eo 






i~ 


or) 


c; 


•>o« 


CI 


r - 


o 


r^- 














t-H 




CN 


i~ 


o 


CN 


—H 




I— 1 


l- 







m 



© 
o 

05 



۩= 



% 



Q 

Q 
O 



o 
5 



■HH 00 1~ 

C5- 00 i— I 
■— i i— • OS 



— ' o 
CO o 
00 o 



"•* i-l (O t- 



o 


«3 


_ 


00 


co 


cr. 


c 




CO 


K3 


oc 


— 














Oi 


cr. 


•o 


i- 


co 


<T5 


c« 


•o 


o 


CN 




Ol 


LO 


i— i 


1— 1 


cc 


c 


O 


€& 




t^ 


00 
CO 


CN 


•— t 



CO O "■* 
CO CO CD 

t-~ tj< cn 



03 


o 


r^ 


C5 


CS 


•*»« 


or; 


cc 


V. 


.- 


•O 


— 


»o 


Ci 


00 


cc 


00 


cc 














1-^ 


GO 


oc 


cr. 


CS 


SO 


».o 


95 


o 


r^ 


CO 




t— I 


*j> 


co 


t^. 


cc 


-M 














o 


CN 


•— ' 


— 


cc 


CO 



■¥* 



pa 

< 



a 





S £ 



e 



C3 

3 
3 


ci 

— 


c3 




CD 

— 


T3 


o 


o 


3 
c5 


3 


3 


tc 




.3 

o 


c 


3 


00 

00 


>. 



c 

»-8 



a 55 



B3 



x 



- 
- 



- 

< 
QQ 



< 

m 




3 



3 3 






3 








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_ 




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M 


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o 


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,c 


3 




o 

3 
3 

n 


5* 


s 


o 

3 



o 


W 


c 


i— i 



STATISTICAL TABLES, 



XXIX 



Tf 


co 





CS 


CO 


CO 


CN 


■w* 


,_, 


no 


OS 





■* 


CO 


CO 


•«* 


00 


CO 





CN 


10 





CO 


co 


CO 





co 


«0 





CO 


co 


co 


—[ 


CO 


cc 


cc 


cc 


lO 





r~ 





-* 


,— 1 


Ol 


OS 


TT" 





•^ 


•rP 


CO 


t-1 


CN 


TJ< 


CO 


«o 


CO 


1— 1 


CO 


Tp 


•* 


1—1 


CN 


t^ 


CN 


CO 


CO 


co 


CO 


co 





CS 


cc 





l~ 


cc 


CM 


1— 1 





WO 


t- 


r^ 


cs 


cc 


t^. 


"* 


CO 


•0 


co 


co 


I— < 


co 


cc 


cs 


CO 





CO 


*o 








1^ 


W5 


CO 


»^ 


CO 


GJ» 


■*« 


C5_ 


CN_ 


t>- 


CO 


TJ, 


T" 


"*< 





CN 


CO 


CO 


CO 


OS 




































o 


•»« 


0" 


of 


I— 1 


10 


CN 


OS 


CO 


CO 





CO 





»~ 


CO 


IC 


CO 


CN 


os 


CN 


■**< 


co 







CN 


■*}< 


oc 


OS 


cs 




CD 


co 





CN 


00 


°i 


f- 


co_ 


cc 


CO 


■* 


1— 1 




l-H 


OS 





CO 


•«H 


CO 


CS 







































CO* 


0" 


O 


0" 


CO 


IQ 


1— 1 


O 







CO 


CO 


!-H 


■* 





so 


■«»1 






t^ 


CN 




CN 


10 


1— 1 


1—1 














CO 
CO 


wo 

CO 

€©• 




o 


_, 


cc 


eo 


CO 


CO 


l-H 


, 


1- 


•** 


CO 


r^ 


CS 


CS 


^ 


CO 


OS 


Ol 


OS 


CN 


O 


CN 


OS 


CO 


>^ 


CO 


H 


os 





CO 


l-~ 


CN 


l>- 


CO 


,_! 


CO 


OS 


CO 


CN 


OS 


06 


h- 


CO 


1-1 


CD 




r-1 


CO 


CO 


CO 


h-1 


CN 


CN 


CO 


CN 


CO 







CN 


CO 


CO 


-^ 




TH 


CN 




CO 


CO 


CN 


CO 


CN 


CC 


CN 


I— ' 


CN 


O 





l-H 


CO 





— 








00 


•HH 


o 


CO 


1-^ 


•Tj« 


t> 


CO 


CN 


CN 


CN 


CN 


co 


T" 


61 











irt 


BO 


T— 1 


1^ 


1— ' 


iC 


iO 


IC 


O 


CS 


CN 


t- 


CN 


CO 


CO 


CO 


■«*< 







































CC* 


«* 


CN 


CN 


CO 


CO 


l-H 


CN 


CO 


1— < 


r~- 


CO 


CN 


CS 


CN 


•»»> 


CO 


CO 


C-l 


CO 


O 


CO 


>o 


1— 1 


•f 


CN 


O 


CN 




r^ 


CN 








CO 


GO 





CO 


CO 




t— 1 


10 


°i 


CO 


>o 


»o 







CO 


■* 


CS_ 


l-H 




































CN 


■* 


of 


CN 

1— < 


CO 


OS 

co 


10 


CO* 


CO 









eo 


l-H 




co" 

CN 

CO 

€©■ 


CO 




irci 


»o 


eo 


CO 


OS 


CO 


OS 


t- 


■*f 


r^ 









CN 







l-H 


a> 


co 


r< 


CN 


1—1 


O 


1— 1 


WO 


1— ( 




CO 


1 


!-H 


1 


CO 


1 


M3 


ta 


© 





O 


1~ 





W5 
































i- 


C 1 


irr 


.— I 


CO 


r^ 































OJ 


C3 


t^ 


-*f" 


CO 


CN 


F— 1 


cc 


t~ 


CO 




CN 




»rt 




CS_ 


CO 






















1 




1 




1 






Cs" 


CO 


CO 





«— 


OS 


-H 


CO 


ir? 


OS 




1—" 




co 




cs" 


of 


CN 


CN 


O 


CN 


1—1 


CO 


CN 


CN 


10 


1—1 




I— 1 




WO 




"* 


l-H 


pi 


1— 1 


CO 


1— ( 


I— 1 


CO 


1—1 


t— I 


CO 


l-H 












co_ 


CO 

<* 


• 






























€^ 


m 


,_, 


. 


CO 


CO 


W3 


-H 


-* 


1— 1 


CO 


CN 


l-H 


CO 


CN 


CO 


CO 







wo 


OS 


r-- 


cc 


CN 


CO 


CO 


CO 


1—1 


CO 


l-H 


CO 





CO 


T 1 


CO 


CO 


CO 


CO 





1— 1 


ir: 


CO 


I— 1 








CO 





CN 


CO 




■V 


=> 





I— 1 


CN 
















f— ( 


l-H 




>— 1 






r— 1 


l-H 


00 


CO 





,_ 


w> 





t^ 


•** 


1-^ 


10 


h- 


CO 


CO 





i~ 


c; 


t^ 


<* 


00 




t~ 


CO 


10 


CO 





co 


CO 


»re 


l-H 







CS 





CO 


T 


CO 


CS 


cc 


W? 








CO 


© 


co^ 


CO 


OS 


CN 


o. 




co_ 


■^1 




































IQ 


"H< 


CS 


CO 


CO 


OS 




Ol 


co" 


d> 


co 


OS 


CO 


t~-T 


CO 


co" 


os" 


O 


Ol 


CO 


CS 




CO 


tfO 


t^ 


r^ 


-f 


co 





co 


W3 


L'J 


co 


CO 


^r 


CO 


O 


CS 










CN 


CN 


CN 


CO 


CO 


CO 




l^ 





"* 




































CN 


•of 


CO 

1— 1 






CO 


I— « 


i-h 


1— ( 




!-H 










CO 
OS 


0" 




<M 


KO 


_ 


t^ 


t^ 


_, 


l-^ 


O 


,_, 


CO 


_, 


CO 


CO 


CO 








CN 


co 





CS 


»rc 


wo 


CO 


cs 




O 


co 


CO 





CN 






CS 


CS 


CO 


t^ 


CO 


CS 


co 


t^. 


CN 


CO 


00 


CO 


CN 


*■«- 


0^ 


t~- 




CO 







































cs 


CO 


10 


CO 


vz 





CN 


CO 


CO 


V 


co 


CO 


co~ 


CO 


L~ 


»o 


of 


l>» 


■«»< 


CO 


CN 


cc 





I— 1 


CO 


CO 


CO 


CO 


CO 


CO 





h- 


CO 


CN 


"*! 


CO 


°i 


CO 


cc_ 


t^ 


©^ 


co_ 


t^ 


"*» 


""*!. 


o\ 


TJ^ 


°i 


tO 


BD 


©^ 


CO 


cT 


•rtf 


co" 


Ci 


00" 


■*ff 


cn" 


-r-~ 


l-H 


co" 


0" 


co" 


co" 


cn" 


cc" 


t-,r 




I— 1 


CO 

1— 1 


to 




I— 1 


CO 


CN 


CN 




l-H 


l-H 








CO 

cc 


— 


















CO 
















4H 





c 

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ti o 

S3 — 

c a 

c: as 



03 C 
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c 
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p 



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cc 



C 



c 

cS 

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XXX 



STATISTICAL TABLES, 



P 
O 



l-H 

H 







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lO 


CO 


o 


CO 


co 


'C 




l>- 


CO 


h- 


© 


— 


r^ 


w 




o 






o 


CN 


o 


CJ 


— 




t 


— 


© 


CJ 


CO 


CJ 


H 




S 




1— ( 


CN 


CN 


p^ 




i-H 




pa 


CM 


r— 






p^ 


■ 




h 

o 






























CD 


































M 




"* 




































_ 


i— I 


CO 


CN 


o 


CN 




CO 


l-H 


CO 


10 


CI 


CI 


H 








o 


T1H 


o 


•f 


© 


■* 




1^ 


o 




— 


© 


co 










CM 


1—1 


CO 


co^ 


t^. 


t~- 




^ 


C3 


n 


1 - 


9 


X 


H 


































o 




3 




as 


© 


CO 


1— ( 


"3 


CO 




-M 


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CO 


© 


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— 




O 




© 


i— ( 


I— 1 


o 


CO 


* 




C5 


© 


l-H 


l~ 


.- 


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J 




a 




3* 


i— 1 


CO 


CN 




CO 




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T 


l-H 


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iff 




t-H 








5 
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CO 


CM 


© 


CO 


CO 


^H 




© 


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CN 








CO 


© 


■t» 


CO 


CO 


CN 




t— 


© 




CI 


■* 


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© 


CN 


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CN 


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CO 




CO 


l-H 


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CO 


i— t 


r— < 


H 
































o 




s - 1 






























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CN 


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r^ 


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OS 


CO 


CO 






CO 




© 


l-H 


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3 




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■^ 


t^ 


"5 








• - 












u 




O 




CO 


t^. 


i-^ 


© 




CO 




CN 


o 


IQ 






a 






B 




— 




CO 


OJ 




1 t" 




SI 




SO 






c 


Ph 






m 










^ 




S& 




l-H 


























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tS 




© 


t^ 


■* 


^^ 


© 


1- 




co 


l-H 


CN 


^— 


re 


© 


CO 








t-- 


t-> 


t^. 


"* 


t>- 


■9 




© 


© 


© 


CN 


CO 


co 


J5 




CJ 




co 


CO 


CN 


CO 


_d 


© 




CN 


CN 




— 


CO 


uO 


< 




u 








i—i 




l-H 


















o 




V 






























H 

►J 




Pm 














































1 
















■<( 








o 


© 


CO 


CN 


CN 






© 


© 


© 


CO 




© 


H 








o 


CM 


CN 




rc 


© 




co 


© 


»^ 


to 


i^ 


© 


a 




♦J 




•«3« 


irt 


«o 


CO 


CN 


1 © 




CN 




'JZ 


— 


u~ 


co 






































3 




t— 


CO 


r*< 


CN 


i~ 


1 o* 




© 


IO 


CI 


■HM 


O 


t— 




o 




o 


CO 


■* 


O 


"* 


BQ 




t^- 


© 




BO 




CO 


J 




a 




■*H 


i— t 


°i 


°i 


©^ 


1 — 










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l^ 


•* 


C 






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r-f 


i— ( 


!-H 


•o 




„s 






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۩ 




» 
































■ 




















00 














K 




















m 














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►H 














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>H 




"« 














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S3 




Ph 






























< 




ss 














pj 
















- 




o 














H 
















S 




o 














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tH 
















C 




35 


• 




^ 


* 


• 


• 


o 


















a 




H 

a 

00 


• 


- 

S3 
3 


"3 

s 
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3 


• 


• 


o 

CD 


• 


"3 

o 

c 

CD 


"5 

s 

a 


• 


• 


• 




< 




so 

CO 

2 


I* 

la 

CO 

(H 

CO 

M 


cj 
o 
ej 

c 

83 

W 

c 

.0. 

O 


co 

— 

o 

CO 

9 
^3 
CJ 
«3 

CD 

J. 

<& 

s 


t3 

a 

r. 

c 
W 

CJ 


"5 

— 

s 

s 

2 

CO 


OtT 

o 


<: 
Pk 

o 

o 


* 

C 


© 
-t-> 

a 

CJ 
CJ 

c 
p 
o 
O 


2 

s 

u 

CP 

B 

C 

o 
o 


is 


c 

e3 
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o 


CJ 

pj 

3 

— 

-H 



STATISTICAL TABLES. 



XXXI 



*f< 


00 


GO 


CO 


IQ 


CO 


CO 


\a 


CO 


i— 1 


CO 


IQ 


■—1 


© 


00 


© 


CO 


© 


co 


© 


CM 


OS 


Tf 


o 


o 


•V 


uz> 


CO 


t^ 


l-H 


CO 


© < 








I— ( 


CM 




I— 1 


i— i 


I— 1 


i-H 




CM 


l-H 


1— t 


f-H 




■**< 


© 


CM 


CO 


»ra 


o 


CO 


■^ 


1— < 


i—l 


i>- 


CO 


lO 


CM 


© 


CM 




CO 




• ~t 


© 


© 


CM 


■**« 


CM 


co 




CO 


oo 


CO 


l^ 




o 


© 


O 


t-~ 


CM 


© 


»o 


»n 


CM 


© 


ir? 


© 


o 


o 


■"*• 


■^•i 


































CO 


IO 


IQ 


CO 


CO 


•-O 


CM 


t^. 


>o 


© 


© 


l-H 


o 


CM 


IQ 


** < 




00 


CO 


CM 


CM 


*ra 




co 


»o 


CM 


t>- 


l-H 




CO 


CO 


co 


r- 1 


i— 1 


<M^ 

t— I 


©^ 

I— 1 


CN 


"^1 


© 


CM 


CM 






CO 


I—l 






00^ 

ocT 



co 
i - 
CO 
oT 



05 

oi 






fM 


CO 


CM 


r^ 


CO 


OS 


CM 


CO 


t-~ 


o 


00 


o 


© 


CO 


co 


CO 


ira 


co 


CD 


r-H 


CN 


© 


CO 


o 


OS 


•^ 


CO 


CO 


T* 


r>- 






















•** 


o 


■* 


r^ 


-* 


CM 


CM 


IO 


OS 




r^. 


o 


-* 


CO 


rji 




iO 


o 


CO 


-+l 


>o 


CM 


00^ 

©~ 


o 


■* 


© 


l-H 

co" 


»o 




l-H 



o 

CO 




co 




CM 

O 



CM 

«0 



CO 


CM 


CO 


CO 


1^. 


r— 


CS 


o 


CM 


CM 


CO 


"# 


Tfl 


t^ 


CO 












l-H 


CO 


CO 


CM 


i-H 


•*¥ 


CO 


co 


CO 


1^. 


CO 


CO 


CO 


CM 


"* 



r^ 


CS 


CO 


CO 


o 


rt< 


(-■- 


co 










CO 


Tf< 


OS 


CO 


co 


ira 


CO 


CO 


CM 


CM 


1 t"- 


CS 






CS 


© 








CM 






m= 


<£>= 



co 
© 


CM 

I— 


^ 
t- 


CM 







CM 

© 


© 


CO 
CO 


CO 


CO 


CO 



1 r-1 



IQ CO 

CM CO 

t->T os 

-* 00 
CO 



C<I 


© 


© 


t— 


r-~ 


r^ 


CM 


-*f 


cs 


CN 


h- 


CO 


•^< 


© 


CM 












>ra 


co 


»o 


co 


© 


CM 


© 


r^ 


t^. 


co 


CO 


CN 


© 


^ 


t-~ 







i-H CO CO i— I 



CO 



© 



CN 

© 

-r 



cs 



to 

. — i 
© 



o 


tH 


CO 


r-H 


iq 


■«* 


co 


© 


CO 


rM 


CO 


co 


© 


CO 


co 


© 


CN 


co 


CN 


CN. 


CN 


CO 


t^ 


CO 


© 


CO 


iO 


© 


t» 


r^. 






















h- 


IQ 


Tj< 


© 


■f 


CO 


CM 


© 


CO 


~-. 


CO 


»o 


i-H 




r-^ 


CN 


CO 


t-^ 


© 


CO 


!>. 


CO 




IQ 


CO 


iO 




^ 


© 


**> 


CM 


CO 




i-H 










CO 


-* 















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H 














73 
















3 
— 


. 


TJ 














Sh 
















3 

s 

3 
Jh 

a> 




3 

C3 


to 

3 












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0? 


• 


■a 


• 


cn 
a 


• 


• 


"3 

3 
3 

3 


c2 

3 


>> 
CiO 


• 


Ih 


"3 

3 


CO 
CO 


3 


O 

o 


O 

•— 


-i-> 

a 

rC 
3 


"o 

Oh 
O 


"3 

3 


3 


"5 

c 
o 


o 

> 


cn 
CO 


4-3 
3 

CO 


3 
co 
r3 


CO 

Ih 
CO 

> 


3 

CO 

O 

3 
O 


3 

3 
O 


e3 

CO 


O 

-•-a 

to 

3 

15 


CO 

"3 
o 
H 


T3 

3 

Ih 
O 


8 


CO 


3 


3 




CJ 


o 
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C 
CO 


o 

Ih 

Ph 


O 
Ih 

Ph 




3 


3 


3 
P 


■33 







xxxu 



STATISTICAL TABLES. 



O oo 

■— u 

s o 

* .e 

•a # 

> § 

C 00 



o o 

o o 
»o o 



'/> 



© o o 

o © © 

©_ © 85 

— i~ cc 

CI i— 1 1—1 



— ° 

o « 

^ o 

Pi 



h» 


.—i 


00 





fN 


co 


CO 


r— 


a) 


00 


I- 















I— 1 





i.t 


■— < 








co 


CO 





Ci 












•— 1 


I— 1 


CN 


•— 1 



W" I— I «— I 



^ 






co 


'- 


O 


r>- 


O 


l~ 


r^. 




.— ' 





SO 




O 


O 


CO 




«o 














CO 


co 


-* 








CO 








CN 


.- 





eo 


C3 


«— 1 


CO 


CO 


C5 


co 














co 




O 


r^ 


1-1 





■3 2 






CO 



^ 



1—1 


-* 


1—1 




•««« 


QO 


O 


t— 1 


QQ 


i~ 


CM 


CM 










en 


<M 


CO 


GO 




CN 


• ~ 


.— 1 


i-» 




CM 


•-^ 


» 




1— 1 


(M 



Q •— 1 CO 



E- 
P 



— 

cs 
H 



CN 



CO 



O CO 



۩= 



l~ 




*a 


CO 


r 


. . 


O 


C5 


l~~ 


O 


co 


CO 


O 




t~ 












r- 


O 


CO 


r^ 





C5 


O 


CO 


— 


cc 


iO 


CO 


CN 


t—i 


CO 



<& 



I— ■— r-t ^H 
M Tf f O 
33= -i CN 



O CO 

1^. 1—1 
t^ CN 



۩= 



€& 



CO~ CO* ^ 
— CM ~* 

DO 1-1 •-• 



1— 1 1— 1 co 



co 


t- 








CO 


CO 


■* 


CO 


co 







CO 


t^ 








r~» 





1— 1 


■a 


CO 


CM 


co 


co 


0. 


















O 


CN 








1— ' 


t^ 


t— 


CO 





1 - 





co 


O 


l^ 


CO 


— 


•— 


CO 




co 


CI 





CO 


I— 



» 



» 





















• 


• 
























co 




B 


g 










02 














N 
















W 














H 
















t-( 














<! 
















'A 




• 


• 


• 










• 


• 










< 














02 
















ft 






























s 














Si 





















• 


• 


• 






K 




• 


• 

























— 
















as 
H 














O 




. 


. 










H 






























W 
02 

































































03 

3 


3 


C3 






■ 




- 


„ 












CO 




— 


1 


3 






- 






3 
O 

O 

— 


si 
g 

3 










< 




CJ 




CO 

— 


CO 


T3 

3 
C3 


3 





O 




s 








3" 




CO 


3 
K 

a 
,a 


1-5 


3 

O 
e3 

CO 
CO 

a! 

2 


fcC 

c 



3 


eg 


H 




ccf 

3 


_CJ 

"-S 

O 
3 
c 





a 

*3 

O 
O 

C 
3 
O 
O 


S 

— 


E 






- 
1 



STATISTICAL TABLES. 



XXX111 



CO 

o 



o o 
o o 

O r-l 



CO 


CO 


o 


CO 


OS 


•>. 






-+« 


CD 


O 


o 


CO 


CO 


#* 


<=*# 



h- 


(M 


to 


■* 


o 


CS 


o 


l~- 


o 


•<* 


o 


o 


t^ 


T* 


o 


CO 


Tf< 


o 














CO 


lO 


h- 


CO 


CO 


CS 


CS 


CO 


co 


co 


CO 


cs 


t>- 


CO 


CD 


o 


o 


CM 



cs 


CO 


CO 


1—1 


CM 


CO 


co 


Tj< 


t^ 


o 


o 


CO 


o-i 


o 


CO 


i— i 


co 


CM 


I— « 


o 


00 
















CM/ 


i— 1 




-* 


Tt« 


o 


1—1 


CM 


■— 1 


CO 


cs 


"* 


f— 1 


o 


OS 


o 


CO 


CO 


«^ 


I— 1 


o 




I— 1 






1—1 


CO 
OS 

■sB- 


CO 

o 



CO 


CM 


h~ 


CS 


CS 


CM 


CM 


"* 


t— 1 


CS 


r- 


CO 


CM 


CS 


co 


co 


o 


CO 


CM 


I— 1 


h>. 


CO 


CS 


CO 


CO 


cs 


<—l 


o 


CO 


o 






















iO 


o 


CO 


CO 


CO 


CO 


CO 


-* 


Cs 


1 cs 


T* 


CO 


OS 


1— 1 


co 


■* 


CO 


cs 


co 


CO 




CO 


o 


1— 1 


t- 


1—1 


!>. 


■*]* 


CO 






"^ 


i— I 


I— < 


CO 


NO 


1—1 


»o 


lO 


h~ 


C5 


CO 


<M 


cr> 


1—1 


CO 


-* 


o 


CO 


«3 


OS 


as 


O 


CO 


t^ 


i— i 


CM 


CO 


CM 


t~ 


t-» 


o 


o> 


co 


CO 


lO 


CO 


1—1 


•>. 


GO 




























fN 


iO 


CO 


o 


CO 




r^ 


i— i 


Tf 


o 


>n 




h- 


1—1 


CO 


co 


lO 


co 




■<*« 


i^ 




CO 


co 


CO 


CO 


CN 


lO 


o 


CO 


CO 


CO 


-*• 


CM 




F— t 


CO 




i— 1 



00 
CM 



i—i CO i—l 



&> €& 



1^ 

o 
o 



Ol 

CN 

eo 



CO 

co 



CM 



OS 




CN 

co 



00 

OS 



CS CO 
00 OS 
CO o 



o 



OS ■<*< 
o l>- 

i—i eo 



co co 

lO »o 

co^ -^ 

cxf oo" 

cs i-H 



os -«** <* 

CM h~ CO 

^ ^ "^ 

S Oi* s 

r^ co t^ 

■* CO t^ 



o 
to 

cs 
O-, 

!=t 
O 



tffl 



S3 
CJ 
Cm 
O 



•X3 O 

c *^ 

O «> 

* I 

U "^ 

I 2 

tc -j 

— CD 

3 .5: 

3 g 



H 



I S 



1— os 
C3 C 

3 2 







3 


, 


a 


t-.n 


a 




'3 


CO 

4-S 


.9 

03 


a> 


- 


a 


c 


^ 

-= 


S 


CU 

rri 


•0 








♦* 





> 


?■ 





a 


O 








«H 


u, 


'A 


Ph 


Ph 


Ph 



QQ 







o o 



o 

a 
o 

"3 



s 


CQ 


to 

c 


03 

■4J 





T) 




O 


4^> 


^3 


H 


P 


P 


03 





— • 
3 

-^ 

c 



XXXIV 



STATISTICAL TABLES, 



s i 



i— I iO 



89= 



</> 



€©• 



o 


<o 


Bfl 


CI 


o 


CO 


CO 


«o 


r - 


— 


co 


O 




l^ 


•«»• 












r- 


<o 


o 


t - 


1 - 


00 




CO 


— 


o 


CO 


OS 


<o 


— 


o 












<o 


CN 


CN 


r-l 


CN 




CO t ^ 



'Is 



CN t-» CO CO t£> 

l~ CO O CO to 

r^ tt ~L l 1 ®i 

t>» t-H OS i— ' SB 

CN CN H i-h CN 



fin 


<n 








■ 


•pi 


R 


c 





'C 


<* 


o 


CO 


CN 


o 


_, 


o 


r— 


,_, 


CO 


O 


«o 


CN 


CO 


CO 


O 


■>*> 


T" 


CO 


■* 


i-~ 


o 


CO 


OS 


— 


HO 


o 


CS 


CN 


m 


CN 


CI 


l-H 


CN 


t— 1 


CN 


I— 1 


CI 




























CO 


CO 


o 


CO 


•** 


CN 


o 


1—1 


CO 


o 


CO 


r^ 


CO 


-+ 


CN 


OS 


CO 


CO 


OS 


I-* 


I— 1 


o 


o 


o 


CO 


O 


6fr 


1— 1 




!— 1 




T* 

•» 


t— < 
4fr 




t—t 


CN 


1— t 


1— 1 


f-H 



■73 

i— < 
O 

O 






o 

CN 

€©■ 



%■ 



o 


o 


o 


o 


C5 


CO 


CI 


co 


1T5 


LO 


1— 1 


OS 


■«J< 


it 


OS 


CO 


I— 1 


— 


CO 


1— 1 


— 
















o 


o 


CO 


t—> 


OS 


CS 


CN 


CN 




OS 


CO 


I— 1 


i— I 


CN 






CN 


CO 









» 



3 a 



t^ ■* ^ 

CO >— I CO 

I— I T}« tO 



€©• 



co r^ 

t— i OS 

o o 



CN 

09 



l-H CO •— < «— • 1"^ 



to 
o 



I© 



۩ ,_r 



_l 


O 


t» 


CN 


CO 


CO 


t^ 


CN 


o 


CN 


9 


CO 


■— i 


o 


CN 












a> 


o 


1^. 


t— 


CS 


•& 


o> 


o 


r^ 


cs 


-^ 


o 




CO 


**> 


CN 


o» 






CO 


•§©= 











o 
O 



4 



"■s w 

^ (2 



o 



pq 



3 
+-> 

a 






a 



a 

c 

"ci 

= 



4B 



cc 



a 

- 

o 

o 



< 

s 
o 
O 



o 



^ 



O 



z 
O 



cS 

a 

a 







c 



— = -s 

5 S 2 ^ 

= z - 5 

r ^ r x £ 4 

M C i— i S 



STATISTICAL TABLES. 



XXXV 



IT) 


O 


CO 


co 


io 


io 


co 


CO 


t^ 


CO 


IO 


iO 


CO 


IO 


o 


CO 


00 




CO 


t— 1 


CM 


-H 


co 


tea 


•^ 


co 


TJ< 




«o 


os 




co 


o 


o 


CO 


CO 


t^ 


o 


CO 


lO 


t>. 


co 


CM 


CO 


OS 


IO 


t^ 


io 


































o 


o 


CO 


CO 


Tt< 


io 


(M 


CO 


io 


OS 


CO 


l-~ 


l^ 


OS 


CO 


•m4 


co 


r>- 


O 


o 


CO 


CO 


"* 


i— 1 


r^ 


"* 


CO 


CO 


r» 




CO 




■># 


co 


i— ( 


b- 


T* 


io 


o 


OS 


co 


io 


CO 


I—l 


oo 


i—i 


CO 


l—l 


































CO 


o 


CO 


I— I 


CO 


t^. 


■>* 


CO 


i— i 


1— ( 


r— 1 


I—l 


I—l 


CO 


io 


r— 


i—l 


CO 






CO 










( 










l-H 






co 


r^ 


Oi 




CO 


o 


h~ 






OS 


t-^ 




>* 


t~ 


o 




CO 


io 


eo 




Tf< 


o 


CO 






OS 


CO 




o 


Ttl 


o 




o 


co 


CO 






OS 


o 






CO 


CO 




lO 


o 


OS 




































»o 


OS 






CO 


r» 


OS 






OS 


os 




I—l 


o 


IQ 




T* 


co 






CO 


CO 


I—l 






CO 


•o 




CO 


CO 


CO 




CO 










I—l 


I—l 














co^ 


CO^ 



CO 


-*< 


I—l 


CO 


o 


I—l 


en 


*o 


o 


CO 


I—l 


OS 


t— 


t>. 


co 


co 




co 


t>- 


■**« 


IO 


co 


•*f 


CO 


CO 


CO 


IO 


o 


© 


CO 


CO 




o 
























r-~ 


CO 


r* 


I—l 


I—l 




CO 


CO 


-* 


CO 


en 


CO 


CO 




CO 


CO 


■* 


CO 


OS 


t^. 


CO 


OS 


I—l 


t-~ 


i— 1 




CO 


CO 


I— 1 











t^ 


CO 


CO 


I— 1 


CO 


OS 






CO 


>o 


r^- 


CO 


OJ 


Tt< 






o 


I—l 


l-H 


l-H 


۩= 


۩= 



CO 


I—l 


OS 


OS 


Is. 


o 


o 


T* 


OS 


1- 


r— 


co 


is. 


os 


os 


I—l 


■^ 


r— 


CO 


o 


t-^ 


CO 


CO 


CO 


CO 


CO 


OS 




















CO 


OS 


CO 


CO 


t^ 


CO 


t^ 


os 


CO 


■*t« 


CO 




lO 


i— 1 


co 


lO 


CO 


CO 


I— 1 


TJI 


CO 




CO 


l-H 


I—l 







OS 


t^- 


"HH 


co 


CO 


CO 






CO 


-* 


os 


CO 


io 


Is- 






CO 


CO 


m 


m- 



t» l-H 

—> o 

OS_ © 

i-i CO 

ts. OS 



OS i— I— ■ 



t— I-I l-l 



CO 


CO 


© 


CO 


00 


CO 


o 


rs. 


ts. 


CO 


l-H 


CO 


co 


CO 


lO 




CO 


CO 






IO 


CO 


>o 


o 




CO 


ts. 




















OS 


OS 


t— 


l-H 


IS. 


o 


CO 


CO 


CO 


ITS 

I—l 


OS 


OS 


I—l 

l-H 


ts. 


CO 


1—1 


CO 

io" . 


co" 



Tt< 


CO 


CO 


CO 


i-H 


OS 


OS 


CO 


-*H 


CO 


CO 


o 


CO 


IO 


CO 












is. 




CO 


CO 


OS 


OS 


t-*. 


OS 


© 


h- 


f 


o 


fr~ 


•«»< 


IO 



i— i i— I OS 



CO 


CO 


CO 


CO 


CO 












o 


l-H 


CO 


CO 


"* 


CO 


T»» 


.■H 


"*fl 


CO 


CO 


CO 


CO 


CO 


o 



CO 


CO 


OS 


© 


t— 


CO 


IO 


Tf« 


l-H 


lO 


CO 


OS 










CO 


CO 


CO 


CO 


CO 


OS 


OS 


■^ 


CO 


CO 


•^ 


OS 






»o 


t^ 






CO 


CO 






<=&• 


€fc= 

















— 






^ 




CC 






s 


• 


CD 


s 




c! 




c 






© 




CU 


3 

o 


l<« 

s-l 

o 


Ph 

o 


OS 

3 


c3 
3 


>H 


o 


3 


3 


03 




s 


s 


a 


fc 


& 



*3 

a 



o 



fcO 

S3 



3 2 -3 



3 . 

*H 

cu 

5 co* 



« e3 

s -a 



Oh Ph. Ph H 



c 

p 



g 


CO 


6D 

C3 


83 


3 
C 


-T3 




O 


3 
P 


3 



CJ 





O 

+-> 

P 

a 

— 



XXX VI 



STATISTICAL TABLES. 



525 

< 
a 

o 

H 

CO 

W 

H 

w 

o 






a 
H 







- 
r 
m 




kQ 


o 


to 


co 


iq 






-H 


c 


«♦ 


Tl 


ig 


CO 


h* 








0) 


O 


CO 


o 


CO 


1 




-c 


o 


•o 


s* 


OS 


o 


-C 








































/ 

X 




































00 


o 


o 


"*< 


t— 1 






c; 


_ 


CO 


r~ 


CO 


CI 


CI 








Ci 


CO 


O 


co 


cs 


1 




i- 


Ci 


l~ 


X 


cs 


o 


w 
































— 








N 


































x 

(X) 




CO 


o 


». 


CS 


<* 






Ol 


o 


o 


CJ 


oo 


r^ 


■f 








o> 


O 


CO 


l^ 


00 


1 




1- 


cc 


•~ 


cc 


X 


o 


































l-H 








»* 


































90 




"H< 


"* 


r->- 


— M 


t-~ 






co 


o 


co 


^ 


cc 


o 


• o 




c 




o 


l-H 


co 


o 


CO 


1 




t - 


OS 


«o 


Cl 


oo 


•-H 


o 




H 


30 




























l-H 






< 








































































a 




































X 

t 




ON 


o 


"0 


l-H 


o 






09 


cc 


co 


o 


1— 1 


— 


- 1 




2 




C5 


CS 


OS 


t^ 


00 


1 




1 - 


0B 


"? 


CI 


o 


O 


CI 




X 


























t— 1 


l-H 


l-H 




o 


M 


































03 








































































a 




Ci 


1-^ 


ho 


o 


os 






W 


CO 


C5 


1* 


C» 


CI 


CI 




M 




C5 


CJ 


cs 


t>- 


oo 


1 




cc 




t" 


OB 


o 








H 


3D 


































O 


3C 


























t— t 


l-H 






a 




































© 
© 




CN 


■— 1 


.* 


CS 


■ ~ 


CO 




-^ 


—. 


1^ 


o 


Tl 


t» 


o 








Cs 


o 


o 


CD 


OS 


CO 




i^ 


c. 


' - 


o 


o 


o 


CN 










l-H 


t— i 
















•—1 


1—1 


l-H 


-H 






H 


































. 




o 


\a 


.— i 


CO 


1- 


t^ 




o 


r— 


o 


t» 


o 


CO 


o 






ft 
X 




os 


1— ( 


o 


co 


Ci 


CO 




cc 


-- 


to 


0B 


CD 














l-H 


I— ( 


















i— ( 


l-H 


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p" 


































?! 

ft 




CN 


o 


** 


cs 


oo 


o 




CO 


CO 


,_, 


i-O 


o 


eo 


— H 








Ci 


CN 


o 


co 


Ci 


Oi 




t^ 


o 


CO 


cc 


01 


CI 


■— 1 










I— 1 


1— 1 












f4 






l-H 


r— 1 


l-H 






w* 


































d 




co 


r^ 


o 


<* 


"* 


MO 




Ol 


l~ 


09 


co 


Ol 


— 


o 








00 


•* 


o 


co 


oo 


co 




t- 


cr^ 


CO 


CO 


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lC 












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l-H 


~ 


■-H 








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■»-+ 





























» 




o 


Oi 


o 


id 


l~ 


Oo 




CO 


•—i 


CO 


eo 


co 


cc 


— • 






Ci 


CN 


O 




o 


X) 






CO 


— 


cc 


co 


o 


t>- 








eo 


t— 


•& 


CO 


»^ 


CO 




o 


o 






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cr- 








































09 




o 


Oi 


CN 


CS 


1—1 


o< 




l~ 


cs 


"0 


~ 


c; 




uO 








o 


O 


o 


CO 


C5 


o 




o 


cs 


co 


o 


— 


OB 


^3 




Pi 




CO 


CN 


CO 


»o 


CO 


CO 




C2 




- 


to 


r>- 


M0 


t>- 






^ 










•M 




tt> 






t^ 










W 














€©■ 


























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KX 








«a 




CO 


r-» 


co 


CO 


'O 


o 








o 


^^ 


09 


— 


CO 










CO 


co 


to 


iro 


C5 




Ci 


o 


CO 


•—1 


CO 




o 




S 




1— 1 


CN 


CN 


o 


■a 






LO 


lO 


C5 


TJ< 




CO 


o 




6 £ 




































co 


■^ 


■^ 


■* 


r^ 


o 




^»« 


Ol 


'- 


t^ 


t~ 


•^< 


CO 






CN 


i-h 


t— 1 


-*H 


CO 


co 




1-H 


o 


o 


— 


O 




CO 




<; 3 




00 


CO 


1— 1 


co 


eo 


o 






— 


cc 


t^. 


cr. 


CO 


r~ 










































o 


"* 


■— 1 


•— 1 


CO 


06 




— 


o 


1^ 




eo 


cc 


CI 




rt >-j 




co 


1— 1 


CO 


CS 


■<»< 


o 




co 


1— < 


■Q 


~ 


o 


CO 


o 




u 




& 










■>J 








l-H 


CO 










S 














¥* 




€& 
































X 














• 






M 


































< 














VI 


















Qui 


£ 















a 


• 


' 


* 






• 


• 




O 
































o 


X 




„ 





























En 

o 


W 
X 

_ 

S 


• 


S3 

3 
■«-> 
3 


OS" 

3 
3 

en 


"5 
3 

3 

-a 


• 


• 


Ex 


< 




"5 

Eh 

o 

a 

o 

O 


3 


• 


• 


• 


■ 






73 
00 




o 

o 


O 
03 


a 

03 


ri 
3 


~ 


a 




3 


— 








c 






o 


a 


3 


to 
a 


3 

s 

■4-1 

02 




o 




u 


a 


o 






-s 






£ 


hi 


ei 


.3 


rj 


o 




S 


— 


%^ 


■~ 




-M 










— 
00 

■> 

1h 
o 


— 1 

a 
o 

•-9 


cj 

X 

a 

2 




o 




<3 

— 


a 

3 


o 


o 

o 

3 
C 
O 

O 


- 
cr 


hi 
O 


o 

5 




S3 

= 
3 



STATISTICAL TABLES. 



XXXVU 



CO 00 CO 



oo Ci oo wo i^ -* •**< cm •**< 

Sci>— 't^oor-*-w3t-- I i— iiocj 



^ciooooo^ciocoip 
oocowoci©ocoot>-irat— I 



ci<— i©t^cooco<— <©«o cm © >c 

Ci 00 CO Ci •— i Ci Ci t^ lO t— I i— < "«« Ci I 



^HCip-iOOCO-^t^OO CO CO t— 

©ooco©cMoocit— no r— I^htJ40 



CiCiCMCOCOO^OO^WO CM Ci 00 

^Hoo—i>-'c;cit^->^«o i r-< cm © 



CMeOt~~©CO»— <W0Ci©lO CM CO Ci 

W2CMCO©CMCi©t^CO00 I © CM © I I 



CM 

co 


o 
CM 


Ci 

co 


o 

CM 


WO 

CM 


1— 1 
Ci 


© 


CO 

r— 


wo 


CO 


1 o 


© 


o 


CM 

O 


r—t 

© 


i— i 


1-1 




1— 1 


I— 1 






















CO 
CM 


o 


o 


CO 
CI 


o 


00 


o 
o 


© 

CO 


lO 


CO 


WO 

1 —i 


CO 

i— < 


o 


OS 


CO 

© 


i— i 


fH 




1—1 


i-H 




I— 1 








i—> 


t ~* 


I— 1 







COCO-^O'OCO-^Cii— <Tt* CO ■— ' CO CO CO 

COOt-i-iOCOOCOCOCO I CM CM © © © 




++ 

CO 

co 

CO 



<M 


CO 


co 

co 

CO 


co 

WO 
CM 


00 


<M 



m 


-* 


CO 


CO 


I— 1 


CO 


CM 


CO 


CO 


t^ 


m 


m 


t~~ 


© 


CM 


CO 


oo 


CO 














oo 


o 


t-^ 


»~ 


>o 


t^ 


co 


Tfl 


CM 


CO 


(M 


Iffl 


CO 


WO 


«o 


t^ 


■^ 


■* 



© 


oo 


r— 


113 


i— i 


o 






CO 


© 


m 


»o 


CO 


© 






CO 


© 



€©= €& 



co 


i— 1 


© 


CO 


-* 


ico 


00 


00 


00 


o 


oo 


CO 


f— 1 


OO 


m 


b- 


CO 


T* 


co 


o 


CO 


t~ 


■<*■ 


"* 


CO 


l~- 


m 


CO 


CO 


o 






















h» 


co 


C-~ 


o 


CM 


CM 


CO 


00 


CM 


o 


00 


CM 


00 


iO 


o 


CO 




h- 


(^ 


o 


CM 


CO 


© 


I-H 


CI 


oo 




CM 


© 


© 






















f^ 


•* 


CO 


o 


TT 


oo 


1— 1 


t>- 


© 


CO 




l^ 


© 


co 


co 


•— ' 


CM 


© 


t>- 


t--. 



I— 1 


© 


CO 


t~- 


CO 


o 


r~- 


CM 


l-H 


r— t 


© 


o 


t— 




CO 












CO 


CM 


W0 


CO 


Oi 


o 


co 


co 




■** 


CO 


CM 


o 


CO 


on 












-* 


CO 


o 


t^ 


en 


CO 


"*< 


m 


CM 

© 


Ci 
<M^ 



1 § 

.2 o 
li 



.s ° 

3 3 

•o "3 

« .2 

'£ O 

-~> Sh 

on el 

C V 

w a 

« "3 

.3 3 

■^ X> 

i-" — 

O d 



= 


3 


o 


■a 


— 


a 


tt 


H 


O 


O 


V 


.3 


— 


— 


H 





c 

o 
a> 



c 

CD 

« 

3 



3 



3 
3 
O 



O 



3: 
E 





e8 

3 
<-» 
3 

a 

3 



3 
c3 
CD 



to 

0Q 



13 -5 



e3 

— i 

CD 

-3 



Ph Ph P^ 



_y 


, ^ 






O 


3 


c3 


0Q 




Cm 




3 




3 


O 


3 




c3 


O 




a 


CZ) 


to 


ol 


3 



c 
o 


CD 


S 


o 
H 








el 




3 


3 


H 




L3 


P 


P 





3 

5 

3 
3 

s 



— • 60 

a 3 

r 1 3 
O y 

O KH 

x 



id 



XXXV111 



STATISTICAL TABLE8. 



P 

K 

B 

m 
fc 
I— i 

h 

P 
o 

< 

< 

M 

o 

tri- 
te 

H 

co 
co 

o 



> 

I— I 

C5 
O 
ft 

CO 

o 

I— 
H 
«4 



g £ 



P 

CO 
Ci 
00 

« 



O 



s 

PQ 

H 



a 



a 



o 



- 



— 



•U3AI3 

6JB3A 9AI.J aqj 

joj sdBJdAy 



o 


© 


© 


© 


CS 


o 


on 


© 


to 


•— ' 


CS 


CO 


CS 


»o 



M5 


© 


I— 1 


co 


— 


00 


— 


CS 


o 


-* 


00 


-* 


o 


i^ 


"*» 


IO 


CO 


•~ ' 


© 


■— ' 


CM 


eo 


25 


o 


X 


CO 


9 




•— i 










CS 


1— 1 






CS 











OS 


CS 


CO 


CS 


o 


o 


© 


r-~ 


1—1 


© 


-*. 


»-" 


CO 


CS 


CO 


o 


CS 


© 


CO 


s 







CS ■— < i— I 



eo 


CO 

55 


.—1 
CO 


PW 

o 


co 
o 


OB 
CS 


■«*< 


to 

o 


-*< 

— 


eo 

CO 


o 
o 


co 


GQ 


o 


ia 


■<* 


CO 


CM 


o 

o 


© 


DO 

o 


© 


CS 

© 


CS 

5 


3 


t^ 


r^ 


j2 


co 


© 
© 


CO 


■a 

I— < 


o 
© 


CO 


co 


CO 

co 


eo 


M 
CO 


CO 

3 


co 


r 


C: 



jo J3qnm>f 
ubok o; oijeh 






to 


CS 


eo 


i.O 




CO 


CO 


eo 


CS 




CS 


OS 


© 


© 












3 


1—1 


t^ 


© 


© 


O 


© 


1—1 


© 


h~ 


s 


CS 


tQ 


© 


•<*« 










<; 


■—" 


1— 1 


eo 


CO 



CO 


CS 


•o 


— 


© 


CO 


© 


<- 


t^. 


CS 


1^ 


CS 


h~ 


© 


© 


t^ 




© 














© 


© 


<© 


t» 


5? 


© 


•<*« 


© 


© 


^H 


EC 


r^- 


-<*< 


■* 


0B 


l-H 


o 














CO 


f-H 




f— i 


1— 1 





•Bsauisng 
pdDuoramoo 



= 



1 1 

to pq 

c 

— 03 

M g 

£ t3 






Cj 

= 

-J 

a 



x 



Bj 

a 
— 

= 

fl 
o 



G 



re 
= 
— 

c 
a 



- 



55 P 





3 




2 




30 




— 




— 




CJ 




00 


o 


a 


— 


d 




u 


00 


eS 

00 






— 


a 



STATISTICAL TABLES, 



XXXIX 



r» 


CN 


w? 


*a 


I— 1 


Ifi 


CO 


co 


t— I 


iO 




o 




Ci 


(M 


co 


CO 


•a 


CO 


OS 


o 


oc 


CO 


1 


CN 


1 
















l-H 




CN 




I— 1 




CO 


>n 


co 


CO 


o 


iO 


CO 


«o 


i— 1 


■ 


t 


l-H 




Ci 


i— i 


o 


CO 


CO 


CO 


CO 


1— 1 
I— 1 


CO 


CN 


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STATISTICAL TABLES. 



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STATISTICAL TABLES. 



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3 







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1— 1 


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3 
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co 




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a 
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3 


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d 


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3 




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co" 


CO 


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CD 


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to 




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B 


1— 1 


s 


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Ph 


3 
O 


B 


to 

3 


to 

3 


— 

CO 


— 
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CO 


3 
3 


3 


»a 


i 


X 







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O 


S3 


5 


O 


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gel 


c3 

S-i 


S3 

- 


3 


3 


to 


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= 


— 








CD 


X 


CO 

— 


en 


CO 


O 

c 


O 


O 


O 


^3 


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3 
IV1 


3 




B 


kfl 




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X3 


p3 


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~- 


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p^ 


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S3 


3 


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to 


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3 


CO 
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15 


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£ 


a 


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STATISTICAL TABLES. 



lxi 



Si 



3D 



S3 - •- 

- 3 fa 



= 

ad 



CO 



a 
o 


a 






sh 


-= 


CQ 







-T> 


S 


- 


r* 




-3 


a 


O 



- 



>> 


— 


rs 




o 


<s 


a 












a 


© 


-3 


N 


o 


O 


Ph 


K 



a 
o 
■i. 

.o 
o 

Ph 
6 



pq 

P 
Ph 



p 



5 



© S3 



s s 



o 






o — 



-i M ^ 

.5 2 ~ 







p 



aa 



u 



ca 
,a 

o 



aa 

p 



-a 



a 
x 



pq 



H 



K O 



aT 
© 

"s3 


S3 

pq - 


>> 




-4-T 

p 


PQ 


a 


e 
a 



p 


J 


.3 


H 


O 


J3 


C4 




CO 


© 


Ph 


a 

S3 


o 


O 


co 



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3 

P4 



a 
© 

a. 
co 



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d 



08 



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s a 

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O 


O 




CO 








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a 









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2 


£ 








S3 


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JO 


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a 


£ 


;^ 


S3 


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si 



o 
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© 



t3 



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s3 

= 

DQ 



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C 



fcO fcO 



P^ £ £ CO 



O O co «< 



« • • • • fc 

o .2 
. . . Q> . s 

cj •> ^s~ s j- O'SCJ*- © 

S a§cdJiHSBC-s = §i?§SdC2 
£ o»ooS§oSo-r*o2^2wooT , p 

S3 OJ300^SHOOO!-iOe3s3s3^:COO 

j£QO»cq^OpqPHama t jOhqopqpqpH 



c 

c 
m 


pq 



QO 30 30 



00 



•OS 

"X 

X 



t^» so t^. 

ao Ci t>. 
00 so 00 



Ci C5 
CO CO 



CO 
CO 

co 



co 
co 
co 



10 <0 Ci «— • 



!M IQ 



(M Ci 



si 

2 




ci 


P 


O 





tafl 

5 




O 


1 


3 


> 

O 


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P 


3* 

CO 


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— 

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3 

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p 


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a 

03 


3 

p 


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fa 


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d 


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lit 


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CNl 
CM 


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V3 


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• 


a 

> 



Sh 

Ph 


so 

CM 

6 




to 

*^c 



c 

Sh 

O 





a 
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— 






a 





<J 






Sh 
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E 


to 


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a 



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S3 










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SJ 

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5 


s 


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ai 

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ca 

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CO 


s 
ej 

a 

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t^ 




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Sh 

O 

a 

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CJ 


ti-T 

O 


— > 




a 


3 


aa 


t3 

a 


CJ 

n 

rj 

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CJ 
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CO 

aj 

<1 


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a 

S3 

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2 
3 
tt 


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go 
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a 







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3 


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5 




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3 




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ci" 

t£i 


pPn 


tc 


CJ 

to 


a 

0J 

pq 


CJ 
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a 


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p 


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^3 
S3 

a 

"5 

tp 

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0) 

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<«-■ 
O 
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a 

Ph 


a 
pq 

d 

S3 
S3 

O 

Ph 


O 

03 

s 

pq 
a 

•ha 
>> 

Ph 


C3 

p 

c 

S3 

IS 

>^ 

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— 

Sh 

- 

3 

n 

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<fcH 

*3 

S3 
CO 

Ph 


s 

d 
a 

c3 

CJ 

H 

"3 



Ph 


00 

a 

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5 

— 



CJ 

CO 


a 

5 

O 

CJ 

CO 


to 

a 

s3 
P 

S3 
aj 

a 


CO 





O 

CO 

<4H 

on 

5 

CO 


O 
O 

— 
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3 

CO 


O 
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<M 



X 

a 


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CJ 

CO 

<M 

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aj 

5 

CO 


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c3 

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CO 

e 

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fa 

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s 

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O 

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lxii 



STATISTICAL TABLES. 



T3 
o 

.2 

"-+3 

a 
o 
O 



CO 

6 

- 

- 
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_j 




































































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to 
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c 

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cc 

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m 

PS 
£ 

4 


CO 


i 
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3 


£ 

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p 

6 

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■r. 

to 


< 

t£, 

b 
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£ 




B 
C 

CD 

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a 




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£ 
j 


fl 

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£ 

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t 








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o 




— 

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. 




i 


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r: 




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c 
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g 

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4 


p 

la 
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1 

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6 

to 

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CO 

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rr. 
b 


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c 

2 

s 

to 




£ 


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b 

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to 

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b 

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s 
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11 


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— 


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SO 


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CD 


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l-H 


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to 


pa 


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b 

to 


3 
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y 


u 


e 

b 


v-/ 


bj 


>> 


a 


a 


c 


E 


B 


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p 






B 


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CO 


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O 


C 


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o 


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C 


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a 


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pa 


pa 












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pa 


- 



STATISTICAL TABLES. 



lxiii 



CD 

s 

13 

N 

a 



-3 



fca 

o 

3 

P 



•5 H Ph 



co 
o 
O 

o 

S3 

p 
o 



<1 pq «< 



.P 
W> 

88 

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c3 

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<u 

CO 






bO J. 



£ 



c 



'3 

p 



w 



s >> 



'a 

S3 



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lxv 



© 

J 33 



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c 




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lxvi 



STATISTICAL TABLES. 



T3 
a> 

a 

a 

o 

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CO 

d 

— 

55 
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fa 

«3 
















m 








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a. 

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1 

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cq 

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2 
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tM. 

a 

1—1 


•— 

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H 


tf, 

3 

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B 



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c 


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3 


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STATISTICAL TABLES. 



Ixvii 



o 
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OS QJ 

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ed 
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o 



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H 
♦3 .2 



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h 

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> 
93 

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to 


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o 


CO 


Li 


>Q 


.23 


P 
oi 


pq 


p 

03 


o 


ffl 


a 


CO 


CQ 


p 


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Ll 


PS 


>> 


— 


c3 




o3 




2 


<1 


2 







03 












B 








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• 


o 


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03 


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M 


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03 


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en 


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CD 


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3 


5 


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3 
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pq pq 



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CO 

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CO 



73 

a! 



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pq 



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cs 


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a 

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53 

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to 

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73 



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p 



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p 



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lxviii 



STATISTICAL TABLES. 






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5 


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6 


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d 




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to 

i 


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r- 1 


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a 
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co 
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p 
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o 




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n 

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p 
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w 

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X 


X 


X 


X 



STATISTICAL TABLES. 



lxix 



a 


>> 


'5 


■- 


B 


P 


n 






3 


h 


P 


a 


cj 


U 

cj 


.2 

a, 


hi 

o 

cj 


r3 

3 




CJ 



73 





2 



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3 



> 



3 




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o 


V 


,3 


a. 


to 

s 


3 


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O 


3 




-4-> 


n 


pq 


co 


T3" 


a 
.a 


"3 


u-i 


o 


p* 


<3 





s 




a* 




c 




C3 


O 

.3 


hi 

H 


CO 


4} 


s 


A 


w 


s 






33 


cj 

3 




►» 



Ph 



3 H 



O P" K 



cj 

p 






to 



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a> 


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3 


n 


^H 


o 


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<=( 


fc 




<1 


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hi 



a 

ad 
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3 
O 

P 

Ph 



CJ 




cj 


3 




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o 


ej 


a> 


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3 



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3 
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ad 



«< a 



CJ gj 



;> ph p S g 



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CO 


al 


oi 


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CO 






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3 


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cr 



ti 



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lxx 



STATISTICAL TABLES. 



a 
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STATISTICAL TABLES. 



lxxi 





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co 


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ut 


smuaci 


























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1—1 


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CO 


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CO 


>co 






CM 


co 


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CM 






1 


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l>. 


1 


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co^ 


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o 


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o 


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c 
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lxxii 



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•SC9T 
uisqiBaa 



B ~ 



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t>. 


It 


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1 


r-4 


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c 


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t— 1 


c^ 

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cm 


t— i 


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cm 







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STATISTICAL TABLES. 



lxxiii 






10 eo 

CM 


1— 1 


CO 

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1 


rH 


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CO 

© 
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CO 


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CO 






co 


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CO 


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CM 


r~ 


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CN 


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CO 








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CO 








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lxxiv 



STATISTICAL TABLES. 



15 

p 

p 

a 
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6 

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STATISTICAL TABLES. 



lxxv 



1 


1 




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co 


co 

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co 
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9 




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lxxviii 



STATISTICAL TABLES. 



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STATISTICAL TABLES. 



lxxix 



CM © I 

CO 



I cm 



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t~- 


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I— 1 


CM 


Tt< 







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CO 


© 


CO 


W5 


CO 


■* 


o 


© 


r^. 


© 


© 


CM 


CN 


b- 


© 


© 


CO 


Tt< 


CO 


so 


CO 


Tt< 


CO 


CM 


00 


I— 1 


O 





*-««-< CM 






00 


oo 


i— 1 


T* 


CM 


© 


© 


lO 


it* 


© 


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CN 


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CO 
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1— 1 


CO 


© 


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co" 

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t>- © 00 

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CO 


CO 
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3 



lxxx 



STATISTICAL TABLES. 



o 

S3 

.2 

C 

o 

O 



d 
b 

B 

B 









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i— i 


1 


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III 611183a 




































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CO 


CM 


CO 


co 


CN 


CM 


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cs 






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l-H 


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H^ 


l-H 



STATISTICAL TABLES. 



lxxxi 



i-i f-i iq t e<i 



«o I l <M 



o eo CN oo t~- l I © 



6N 

co" 



CO 


CO 


h«. 


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r~i 


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Tt< 




CO 


co 


■**■ 




■«*< 


CO 


CO 


o 




CN 




CO 






CO 


f— 1 




CO 



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CO 1^- 

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co ~n ■** 10 
co oo i— I «— « 

•— i CN CO 



© ■«* CM 
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CN 


CO 


CO 


QO 


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CN 


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cn 



CN 
CN 



© CN 

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CO 


CN 


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lO 


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CO 


b- 




oo 


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CN 



of 



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CO 


CN 


tH 


CN 


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CO 


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c 






i-a 


• 


o 


• 




03 




-M 

o 

GO 




c 
.2 


u 
O 

CO 
CO 


•— ' 




o3 


<J 




CO 




O 




o 


«*1 


3 


o 


CB 


'/\ 




O 


CC 


a> 


— 
o 
60 


Cm 

.2 
"co 


4-> 

.2 


«3 


3 
eo 

PQ 


eo 

m 


tf 


o 

GO 


CJ 


03 


8 




CO 

< 


3 


3 

"5 


a> 

a 

8- 

e3 

a. 


•4-9 
CC 


o 

CO 


S 


3 

03 


a> 

c 

CD 


3 

r— 


o 
o 


o 


« 


03 


a> 


"eo 

o 

-a 


co 

Q 

CD 


eS 


"C 

03 
V 

.3 
H 


o 
S3 
3 

fa 


cl 


fa 


a 


3 


~ 


fa 


3 


fa 
CO 


c3 


d 


a 


d 


co 


>> 


p 


a 


a 


bU 


o 


>> 


f»» 


t>» 


s 


t-J 


£ 


t-1 


i-l 



5 ti 



03 

a, 

CO 

Q 



.22 cj 



« 

*o3 

3 
*a 

3 

g 



93 
3 



3 

6 
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to 

3 



<1 +3 'fa 



o 

(72 



C3 3 



3 • 

c 5 

03 2 



fa oo 

CQ «2 



CQ -g 

a> o 

CO ^ 

3 <J 



fa 

co 

2 2c 



■ CQ 



c3 
3 



a 

99 

^3 



o 

fa 
^ .2 



u 
o 

CO 
00 

<1 

Cm 

a> 



o 
a 
.2 

<A 

o 

°o _■ 

CO , qj 

eo — m 

C-S Jj 

eJ.2S 

s 5ri ^ 

O r— CO 



* .S 



3 



O 

a, 
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5 fa 
CO 



PHJ3 



30 



S S 3 3 S g 



3 
03 



93 

fa 

a> Q 
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co .X 

lis 

£.2§ 

C co >• 
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^ S-( 

""« CO 
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«J 3 3 

^2.2 

■^3 -3 ^, 
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2 K 



• < 



p 

.2 CB 



03 {J 

2 n 



.2 « 

— 03 

O CO 

fa H 

T3 'O 



pq 



pq 



CO ,2 



CB 



3 

3 
fa 
> 



K & K 



lxxxii 



STATISTICAL TABLES. 



T2 
o 

P 

.2 

P 
O 



6 

p 

P 

H 









f— 1 


1 


Ol 


i 


r-H 


i 


l-H 


l-H 


1 


1 


i-H 


i 


i 


l-H 


•-H Ol 




•E6ST 






i— ( 




























ui snjcoa 


































eo 
1 cs 


"* 


i— t 


CO 


cs 


CO 


CO 


o 


O 


o 


_, 


o 


'- 




- 


A CO 




>- oo 




l-H 


Ol 


o 


TJ1 


t~- 


eo 


Ol 


CO 


i—i 


o 


eo 




1 - 


t - v-O 




M a 3 


l-H 


1—1 


o^ 


l-H 




l-H 




Ol 










i 




1— 1 




I ■§ ? 






1-1 




























*s cj 


































rt <u 


































C 


































1 C5 


OS 


CO 


"* 


CO 


t^ 




CO 




C5 




gj 


co 




__ 


So r^. 




»h 00 


l-H 


o 


co 


co 


»*< 




CO 




CO 




iS 


CO 




».~ 


•^ n 




* •- 3 


1— 1 


*■* 


CS 


l-H 




1 




1 




1 






i 




l-H 




§ « M 


































S a; 


































Q 


































CO 


CO 


Ol 


co 


CS 


l-H 


eo 


«? 


CO 


CO 


l-H 


O 


— < 




Tl 


CO CO 




. 1 


-*■ 


co 


»o 


O 


CO 


l-H 


co 


CO 


CO 




cc 


o 




co 


• ~ — • 




CO 


r^ 


oo^ 


co^ 


o 


r* 


t^. 


o_ 


cs 






a 




o^ 


Ol Ol 




4* 


e» 


of 


CO* 


of 


,_r 


i— i 




l-H 






c? 




i 








00 U 






«-H 




























CO CO 


































< 6 


































V 




































































1-1 






































CO 


Ol 


00 


OS 


o 


o 


o 


-H< 


«* 


OO 


cr. 


co 




— 


1 — K3 






u 
B 


co 


oo 


LO 


Ol 


CO 


co 


CD 


Ol 


o 


eo 


CO 


Ol 






l-H CO 






e» 


l-H 


00 


l-H 


l-H 


CO 


l-H 


Ol 


"«5< 










l-H 


l-H 






« 


























i 












































co 


o 


































H 


p3 


































H 
P 


<; 


































H 




































s 






































































55 
M 

a- 
W 


00 QQ 

° a 
<n a 


o 


co 


•«*> 


CO 


o 


if3 


O 


o 


o 






c. 




*o 


— ■- 




CO 


»o 


00 


o 


o 


h- 




o 


oo 






ia 






S- 






CM 


^L 


CO 


Ol 


CO 


!-H 


l-H 


l-H 












co 




CO — 

c os 


۩= 




io~ 














1 


1 




1 








►J 5 






l-H 






























c "2 




































* § 










































^ 


CS 


o 


Ol 


CO 


CO 


^, 


C5 


CO 


cs 


~1 


b- 




to 


CO ^9" 






c 


t— i 


CO 




CO 


-^1 




CO 


CO 




eo 




CO 




CI 


t^ CO 






co 


t^» 


°1 


CO 


CO 


ut 


l-H 




o 




CO 






eo 


1-1 CM 






a 


<§£= 




tc 






of 




l-H 










i 








CO 


o 


































C5 




































CO 




































l-H 


■< 


































fe 




































H 

S 
o 
u 




































CD 






Ol 






Ol 


o 


CO 






•«»< 








p ^ 




C 

6 






00 






o 


co 


l^ 






eo 








O 




1 


1 


CD^ 




1 


Tj< 


l-H 


l-H 








1 


i 


1 


^ 1 




55 


a 






oT 


■ 


























i-i 


CO 

CO 

3 
co 

CO 

■4J 






©§= 




























eJ 




CO 


00 


o 


o 




"* 




t>- 




~ 


Ol 




CD 


— ~1 




C5 




lO 


CS 


Ol 


h- 




CO 




co 




Ol 


o 






-Jl O 




« 5 




T*^ 


"^ 




o 




CO 




eo 




CO 


■<H 




O 


■** M 




■«j ^ 


1 










1 




1 










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« 




of 


co" 


Ol 


l-H 












l-H 






l-H 






a CO 




<§©= 


l-H 




























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IB 


































P 




































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3 

O 


— • 
3 


















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5 

o 

en 
aq 

■3 

«a 
CS 
« 

o 

m 

s 

4-1 

3 
"on 

»H 

to 

3 

_e3 

'3 

3 
3 

cj 


CO 

o 
oo 

l-H 

c? 

1—1 

*£ 

a. 
o 
CO 

o 
>> 

— 

p 
'3 


b 
o 

<a 

*3 
o 

CD 
CO 

'3 

o 

a 
o 


c 

.2 

.2 
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o 

co 

CO 

4-9 

a 

b 

o 

n 

3 


-t-» 

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o 
ce 

n 

< 


.2 
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o 
CO 

3 

o 
3 
V 

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3 
O 

C 


3 

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DO 
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3 
O 
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CO 
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— 

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o 

C£ 

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3 

o 

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t s3 

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CO 
CO 

< 

C3 

3 
■ — i 


• 


B 
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o 

CO 

•»j 

3 
o 

*o 

> 
o 
3 
o 

« 

CO 

o 


3 
# o 

c3 

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CO 

co 
< 

«— 

CJ 

Ph 

*3 
o 


— 

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o 

CO 
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93 
a> 
3 
O 
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6 

o 

3. 
— 
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CO 

>» 

s- 
o 

3 

m 

— 


*^ 

of 

.2 
o 

£ 
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o 


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o 

CO 

X 

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53 

3 
a 

pq 

jn 

"s 

a 

3 

CO 

o 

"5 

CO 

tc 


cr Company Employees' Mu 
relation 

emeu's Iteliof Association, . 








o 

CO 

a 

u 

o 


P 

pi 
pi 

d 

6 


3 
O 

E 

s 


"3 

3 

- 

"3 
Pi 


P 

o 

GO 

CJ 

3 
fcO 

3 

- 
O 
Pi 


iJ 
O 

CJ 
3 
03 
>-> 
O 
> 

>H 

Pi 


33 C? 

2 = 

3.2 

SS > 

Pi 


T3 
3 
03 

CO 

CO 
CJ 

tc 

O 
E 

Pi 


03 

o 

O 

5 

3 
P. 


s 

«j 
a 

a 


o 

3 

tc 

eS 
o 
M 

Ck- 

.2 
IS 


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4-9 

^. 

5 

■3 

49 

CJ 

Ph 


1 — -c .— 

= <-" 

tf -- 3 

"3 33 

CJ JJ -H 

>^ 2 
Pi Ph 



STATISTICAL TABLES. 



lxxxiii 



(M | i-4 *- I C* i-l I I I I I i-< I .-I CN CN 



no 


© 


«5 


>* 


© 


no 




oo 


■* 


■* 


CO 


© 


1— 1 


I— 1 





00 CO 
CO CN 

o o 



■«*i CD CD 
CO l^ — ■ 
t~~ CD CN 



00 


o 


CN 


© 


lO 


oo 


t^ 


00 


»o 


CO 


I— 1 


CN 


00 


o 


© 



o 


o 


h~ 


00 


■* 


o 

in 


00 


co 


(M 

o 


1— 1 



r^ 


CO 


OO 


© 


o 


i— 1 


© 


OO 


CO 




lO 


CO 



i— ( 


»o 


t^. 


co 


1— t 


1^. 


00 


CO 


t^. 


CO 


CN 


»o 


Tj< 


CN 


Ttl 



h- 


O 


© 


00 


o 


© 


CM 


© 


(^ 


CM 


CO 


1—1 


OO 


lO 


CN 


© 


CO 


CO 




CN 


I— 1 



CO 


(M 


CO 


■«* 


1- 


o 


© 




T}< 


1— 1 


t^ 


t^ 



CO 



3 
O 



OS 
© 
CN 



CO i— I © 

■<*< CD lO 

°i ■"! ^ 

CO CD i-T 



O CN Tfl CO 
CN © O CD 
CN i— t i— I i— I 



t^ 


iO 


OS 


rf 


■* 


IQ 


© 


"* 


CO 


CM 


CN 


. « 


-* 


c>- 


I— 



-*f o 
CN © 
CO f— I 






l-H © 

CO t>- 



i— I CD © 

cs irt © 
t>- »o © 



o 
o 



OS 



a <3 



CJ 

o 
a: 

a 
B 



<B 



~ -r « 



p*> 


^ 


c 




c 


a 


cu 


.2 


►» 


« 


t- 


t— i 


3 


13 


K 


t*> 


o 


o 


« 


« 



09 

a 

2 



O 

a 

05 
bo 






co 



o 



T3 

CJ 

b 

3 

W 



.9 

R 
C2 

o 

CO 



I 1 

B M 
JT co 



O 
CO 



a 

cj 



s -p o 

01 ~ 

a >> 

a 

oj 

u a> 

CO CO 



o 
ad 



7D 

s 



-d 

a 



o 
08 



tc 



pq 

09 



a 5 



c 



3 S3 
ej .r-i 

CO 



* - P 
•2-1 S 

.a ra o 
CO CO 






« CO 



o 

CO 



■4-3 ■ — 



H 



o 



o 

CO 



o 
p< 
u> 

o 

o 

> > 'a 
*- »- c 

<5 






"oi 

3 



B ° 
o3 &►> 

*" -«j 

03 •>-! 

■<-> CJ 

t-t o 

co CO 

> ..2 

B- 5 P 
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03 

o 

-d 

a 

09 



-3 
P 
S3 



<y ,W 



0J 0J 

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c5 S 
c -.8 

CO >» o 

«.2c§ 
^-ol^ 



p 
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o 
H 



co « 



C3.S 

CD CO 

o _ 

II 



CO CO CO CO CO CO 



lxxxiv 



STATISTICAL TABLES. 



O 



o 









1 


| 


1 


© 


1 


CO 




»« 


■— 1 


1 


r. 


oi 


f-H 


i 


Cl 


I-H 




•£G8I 








co 


























m sqiBOCI 




































1 Ci 


© 


co 


f— i 








^ 




«n 


© 


»o 


■g 


— i 


tn 


-- 


0B 


co 




£ <» 


90 


t-- 




>o 


X 


© 




CM 


Tl 


— 


— 


9b 


— 


— 


— 






- - — 
■O J* - 






'-- , 






co 




CN 


CO 


I-H 


Is. 




•— < 


I-H 


CO 


i-H 




S -g CO 




































— rj 




































*=i CJ 




































Q 




































| 




i-O 


co 




CO 


© 




co 


«o 


h- 


'- 


,- 


co 


r^ 


,_ 


f ~ 




£ 




t^ 


o 




w 


~ 






lO 


CO 


T»< 


vi 








:: 




3 3 1 


1 




1—1 


1 




CN 




es 


eo 


•~ • 


l^ 




•— ' 


•— ' 








S -g w 




































t^k o 




































Q 




































CO 


o 


■a 


to 




CO 


© 




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i— i 


f-H 


© 


-* 


-- 


0) 


O) 


co 




o 


t- 


T 


CO 




o 


© 




© 


© 


~. 


© 


t^ 


■a 


t — 


© 


© 




x « 


cn 


l— 1 


"<J» 




CO 






CO 


CN 


«3 


CO 


rt 


CO 


r-^ 


eq 


r<- 






8» 






1 




























4/ 


















l-H 


■^< 














gO — 




































<n CO 




































"< d 




































S 




































^ 








































-* 


•*♦» 


CO 


o 


•M 


© 




© 


O 


»o 


■ 


00 




CO 


CO 


i-H 








o 




© 


o 


t— 


i— 1 




»>. 


c-i 


t^ 


CM 


© 




3 


LO 


1 - 






1 


-** 


(M 


CN 


CN 








CN^ 


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CN 


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t- 


CN 


I- 


co 






€©■ 














f-H 






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x 




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3 




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H 






































s 










































































S5 

H 




00 X 

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r^ 


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f—i 


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x 


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CN 






*~ 


co 




CO 


co 


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co 


ac 


~ 


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X 




1 


€6= 


1 


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CN 


CO 




oc 


r L 


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CN 


CO 


■f 




5 


w 






















r— i 




at 


















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co 


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CJ 


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f-H 






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CO 


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1— 1 








•-- 


r— i 


I-H 


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© 


Ol 


co 




C! 








35= 




































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55 






































a 








































































s 
o 
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m 








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3 




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CO 


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| 


1 




1 




1 








— 




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1 


1 


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■ 

CO 

o 
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00 

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ci 




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ca 




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t* 




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t— 




ac 




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x 


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CO 


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CN 


CO 


t^- 


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t^- 




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m 


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o 

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43 


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to 

p 

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53 






— 




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3 


43 


re 


TJ 


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O 

OH 

O 
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Li 
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CJ 

a 

CI 

m 

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3 

^H 


O 


r3 

sS 

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■ — 


Li 
CJ 
CJ 

c 
> 

00 
— 
O 


CJ 

30 

OQ 

< 

30 
43 

2. 
03 


_CJ 

C 
> 
CJ 

B 
CJ 

43 


CJ 

O 

> 

CJ 

3 

CJ 

pq 

43 


> 

CJ 

B 

CJ 

pq 

43 

oa 

43 

3- 
ri 


43 
30 

— 


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43 

X 


43 


Z 

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3 


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MASSACHUSETTS 

LIFE INSURANCE COMPANIES. 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1893. 



DETAILED STATEMENT OF ASSETS AND LIABILITIES. 



BERKSHIRE LIFE INSURANCE COMPANY, PITTSFIELD. 

[Incorporated May, 1851. Commenced business Sept. 4, 1851.] 
Paid-up Capital, $25,500. 

William R. Plunkett, President. James W. Hull, Secretary. 

Income. 

Cash received for premiums on new policies, . 



Cash received for renewal jDremiums, 
Premium notes received for renewals, 
Premiums paid by dividends, including additions, 
Premiums paid by surrender of policies, . 



Total 

Deduct amount paid for re-insurance, 

Total premium income, 
Cash received for interest, 
Gash received for rents of company's property, 
Miscellaneous, .... 



Total income, 
Net or ledger assets Dec. 31, 1892, 

Total, 



$165,809 10 

992,789 91 

25,127 82 

185,126 23 

1,609 32 

$1,370,462 38 
18,730 01 

$1,351,732 37 

265,839 93 

16,895 71 

1,242 24 

$1,635,710 25 
5,269,257 78 

$6,904,968 03 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies re-insured, . 

Net amount paid for losses and endowments, . 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Surrender values applied in payment of premiums, 
Dividends applied in payment of premiums, . 

Total paid policy-holders, 



$322,746 01 

4,679 99 

80,671 35 

7,230 65 

$415,328 00 
12,500 00 

$402,828 00 
248,335 46 

5,301 43 

1,609 32 

185,141 04 

$843,215 25 



BERKSHIRE LIFE INSURANCE COMPANY. 



Cash paid for dividends to stockholders, . 

for commissions to agents, 

for salaries and travelling expenses of agents 

for medical examiner's fees, . 

for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for advertising, 

Miscellaneous expenses, ... . 
Depreciation, 



Total disbursements, 



Balance, $5,748,609 29 



•1,785 00 
10<J,380 28 
34,748 63 
13,737 
31,449 C6 
20,294 36 
11,867 57 

8,899 66 
27,766 64 

2,224 01 

•1,166358 74 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Agents 1 ledger balances, 

Bills receivable, 



Ledger assets (as per balance), 
Deduct depreciation from cost of assets, . 

Total net or ledger assets, 



8420,288 56 

3,540,826 73 

407,400 00 

135,006 27 

810,593 25 

3.228 46 

408,114 10 

20,133 91 

3,018 01 

$5,748,609 29 
3,094 51 

$5,745,514 78 



Other Assets. 

Interest due and accrued, 
Market value of stocks and bonds, over cost, 
L'ncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total 

Deduct loading (20 per cent.), 

2s et am't of uncollected and deferred prenTs, 

Total assets per company's books, . 



$85,154 08 
121,670 38 

$206,824 46 
41,364 89 



69,201 73 
36,657 00 



165,459 57 
. $6,016,833 08 



Items not admitted. 



Agents' balances, 
Bills receivable, 

Total, .... 

Total admitted assets, 



$20,133 91 
3,018 01 



23,151 92 
. $5,993,681 16 



BERKSHIRE LIFE INSURANCE COMPANY. 



Liabilities. 

Computed premium reserve or net present value, of all out- 
standing policies (actuaries' 4 per cent.), .... $5,411,433 00 
Deduct net value of re-insured risks, 71,877 00 



Net re-insurance reserve, . 
Matured endowments due and unpaid, . 
Death losses and matured endowments in proc 

ess of adjustment, 

Claims resisted by the company, 

Total policy claims, .... 
Unpaid dividends of surplus due policy-holder 
Premiums paid in advance, 
Bills payable, 



Liabilities as to policy-holders, 
Surplus as regards policy-holders, . 
Paid-up capital, . 

Surplus over capital, 

Gross liabilities, 



. $5,339,556 00 



$2,614 00 

34,763 00 
3,000 00 



s, 



40,377 00 
2,673 06 

11,220 49 
1,771 42 



. $5,395,597 97 



$598,083 19 



25,500 00 
572,583 19 



. §5,993,681 16 



Premium Note Account. 

Premium notes on hand Dec. 31, 1892, . . $ 134,090 67 

Premium notes received during 1893, . . 25,127 82 

Total, . $159,218 49 

Used in payment of losses and claims, . . $11,910 64 
Used in payment of surrendered policies and 

voided by lapse, 5,301 43 

Redeemed by maker in cash, .... 7,000 15 

Total, 24,212 22 

Balance note assets Dec. 31, 1893, $135,006 27 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1892. 

Xumber. Amount. Total No. Total Amount. 

Whole life, . . . 10,615 $27,052,540 00 
Endowment, . . . 2,844 7,012,073 00 

All other 136 242,700 00 

Reversionary additions, . - 511,337 00 

13,595 $34,818,650 00 



Whole life, 
Endowment, 



Policies issued during the Year. 

. 2,287 f6,138,550 00 
291 619,633 00 
2,578 



6,758,183 00 



BERKSHIRE LIFE INSURANCE COMPANY. 



Whole life, 
Endowment, 
All other, . 



Additions by dividends, 
Total, 



Old Policies revived. 

Number. Amount. Total No. Total Amount. 

166 1117,728 00 
15 21,266 00 

7 14,500 00 
188 



Old Policies increased. 



$153,494 00 



387,666 00 



16,361 $42,117,993 00 



Policies terminated during the Year. 

Whole life, . . . 1,750 £4,218,766 00 
Endowment, ... 327 736,169 00 

All other, .... 23 329,481 00 



2,100 $5,284,416 00 



How terminated. 



By death, . 


145 


$337,152 00 






maturity, 


45 


87,902 00 






expiry, 


17 


33,500 00 






surrender, . 


395 


1,243,504 00 






lapse, . 


871 


2,096,858 00 






Not taken, 


627 


1,485,500 00 


2,100 


5,284,416 00 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Policies in Force Dec. 31, IS 93. 

. 11,318 £29,090,052 00 

. 2,823 6,916,803 00 

120 213,700 00 

613,022 00 



14,261 £36,833,577 00 



Schedule A. 



Securities held as Collateral. 

Market Value. 

$5,400 00 

Agricultural N'l Bank of Pittsfield, 4,250 00 

Third National Bank of Pittsfield, 1,000 00 

Third National Bank of Pittsfield, . 15,000 00 - 

Boston & Albany R.R. Co., . . 5,400 00 

Stockbridge & Pittsfield R.R. Co., . 2,240 00. 

Pontoosuc Woolen Co., . . . 10,500 00 

Massasoit Paper Co., . . . 22,570 00 



27 shares Boston & Albany R.R. Co., 
17 

5 

75 
27 
16 

7 
122 



Loaned Thereon. 

£2,700 00 
2,700 00 



16,000 00 

3,000 00 
15,000 00 



BERKSHIRE LIFE INSURANCE COMPANY. 



50 shares Third National Bank of Pittsfield, 
5 " Merchants' Nat'l Bank of Boston, . 

3 " Western Nat'l Bank of New York, 
15 " Springfield Gas Light Co., 

5 " New Bedford Gas Light Co., . 
32 " Pittsfield Coal Gas Co., . 
10 " Chic., Burl. & Quincy R.R. stock, 
28 " Berkshire R.R. stock, 
10 " Stockbridge & Pittsfield R.R. Co., 
30 " Third National Bank of Pittsfield 
St. Louis & San Francisco R.R. bonds, 

8 shares N. Y. C. & H. R. R.R., . 

4 " Delaware & Hudson Canal Co., 
8 " Stockbridge & Pittsfield R.R., 

13 " National Mahaiwe Bank, 

12 " Stockbridge & Pittsfield R.R. Co., 

20 " Pittsfield National Bank, 

20 " Millerton National Bank, 

10 " Pittsfield Coal Gas Co., . 

15 " Pittsfield National Bank, 

10 " Third National Bank of Pittsfield, 

50 " Boston & Albany R.R. Co., . 

12 " Pittsfield Coal Gas Co., 

138 ■' Wagner Palace Car Co., 

Boston & Albany R.R. bonds, . 

Michigan Central R.R. bonds, . 

22 shares Boylston National Bank, 

14 " American Express Co., 

18 " C, R. I. & Pacific R.R., 

10 " C, B. &Q RR., 
1 share Boylston Market Ass'n, Boston, 

Atch., Topeka & Santa Fe R.R. bonds, 

Wis. Central R.R. bonds, .... 

Ind. & St. Louis R.R. bonds, 

4 shares Boston & Albany R.R., . 

195 " Smith Paper Co , . 

500 " Jack , Lan. & Sag. R.R. Co., . 

Life insurance policies ($20,000), . 

22 shares Pullman Palace Car Co., . 

Chic. June. R'y & Union Stock Yards bonds, 

300 shares Kansas City Stock Yards Co., 
20 " Berkshire R.R. Co. stock, 

Mich. Cent. R.R. Co. bonds, 

City of Spokane, Wash., bonds, 

Union Pacific R.R. bonds, 

Cleve. & Pitts. R.R. Equip, bonds, 

Lawrence R.R. bonds, 

U. S. consols, .... 



Market Value. 

$10,000 00 

735 00 

330 00 

2,250 00 

600 00 

6,400 00 

750 00 

3,920 00 

1,400 00 

6,000 00 

8,000 00 

792 00 

520 00 

1,120 00 

1,950 00 

1,680 00 

2,760 00 

2,400 00 

2,000 00 

2,070 00 

2,000 00 

10,000 00 

2,400 00 

16,560 00 

1,040 00 

8,540 00 

2,950 75 

1,596 00 

1,134 00 

750 00 

1,200 00 

3,300 00 

2,760 00 

8,050 00 

800 00 

19,500 00 

40,000 00 



Loaned Thereon. 



} $11,800 00 



1 

!, 15,600 00 



J 



) 00 £ 



4,356 00 
13,000 00 
40,500 00 
2,800 00 
2,440 00 
5,000 00 
7,500 00 
7,700 00 
4,120 00 
3,420 00 



700 00 



750 00 


3,000 00 


2,000 00 


1,800 00 


700 00 


1,925 00 


500 00 


7,500 00 


1,800 00 


5,000 00 



15,000 00 



10,000 00 

275 00 
8,000 00 

35,000 00 

1,700 00 

35,000 00 

2,500 00 
1,850 00 
4,000 00 



} 19,000 00 

J 



8 



BERKSHIRE LIFE INSURANCE COMPANY. 



325 shares Concord & Montreal R.R., 

2 " Third National Bank of Pittsfield, 
50 " Third Nat'l Bank of Springfield, 
Union Pacific R.R. bonds, 
Chicago, Wis. & Minn. R.R. bonds, . 
St. Louis & Iron Mountain bonds, . 
Mo. Pac. Railway trust bonds, . 
60 shares Third National Bank of Pittsfield, 

5 " Boston & Albany R R., 
25 " Wells, Fargo & Co., . 

City of St. Joseph, Mo., funding bonds, . 

33 shares Boston & Albany R.R., 

10 shares Third National Bank of Pittsfield, 

Union Pac. R.R. bonds, 

20 shares U. S. Express Co., . 

30 " Agricult. Nat'l Bank of Pittsfield, 

20 " Com'l Nat'l Bank of Chicago, 111., 

Pittsburgh, Ft. Wayne & Chicago R'y bonds, 

Pittsburgh, Ft. Wayne & Chicago R'y bonds, 

Jefferson, Madison & Ind. R.R bond, 

20 shares American Express Co., 

6 shares Pittsfield Coal Gas Co., 



Schedule B. 



Market Value. 

$56,875 00 

400 00 

10,000 00 

2,250 00 

13,000 00 

81,200 00 

11,560 00 

12,000 00 

1,000 00 

3,125 00 

6,600 00 

6,600 00 

2,000 00 

1,025 00 

1,000 00 

7,500 00 

6,700 00 

6,750 00 

2,700 00 

2,440 00 

2,280 00 

1,200 00 



Loaned Thereon. 

$45,000 00 
300 00 

7,500 00 

10,000 00 

75,000 00 

8,900 00 
800 00 
2,000 00 
5,000 00 
5,600 00 
1,500 00 

1,000 00 

10,000 00 

5,000 00 
4,000 00 

1,000 00 



$573,658 75 $407,400 00 



Stocks and Bonds owned by the 



275 shares Pittsfield National Bank, 
300 " Agricultural National Bank, 
250 " Adams National Bank, 
840 " Commercial Union Telegraph Co. 
100 " Western Union Telegraph Co., 
74 " Western Telegraph Co., 
121 " Berkshire Railroad, 
185 " Stockbridge & Pittsfield Railroad 
220 " N. Y. Central & Hudson Riv. R.R. 
100 " Chicago & Northwestern Railroad 
100 " Lake Shore & M. S. Railroad, 
100 " Pullman Palace Car Co 

United States bonds, . 

Berkshire County bonds, . 

Dal ton Fire District bonds, 

Pittsfield Fire District bonds, . 

Pittsfield City bonds, 

Cheshire town bonds, 

Hinsdale Fire District bonds, . 

Readsborough Fire District bonds, 

Boston & Albany Railroad bonds, , 



Company. 

Cost Value. 

$34,540 00 
60,000 00 
31,250 00 
19,000 00 

8,400 00 

3,866 50 
13,915 00 
21,275 100 
22,550 00 
11,409 00 
13,300 00 
15,850 00 
128,720 25 
56,850 00 

9,000 00 
61,500 00 
36,000 00 

3,100 00 
34,000 00 
10,000 00 
51,950 00 



Market Value. 

837,950 00 
75,000 00 
36,250 00 
21,000 00 

8,400 00 

3,866 50 
16,940 00 
25,900 00 
21,780 00 

9,900 00 

12,200 00 

16,400 00 

135,900 00 

57,100 00 

9,000 00 
60,500 00 
36,000 00 

3,100 00 
34,000 00 
10,000 00 
51,950 00 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



9 



New York & New England Railroad bonds, 
St. Louis & Iron Mountain Railroad bonds, 
New York Central & Hudson River Railroad, 
Burlington & Missouri Railroad, 
Michigan Central Railroad, 
Chicago & Western Indiana Railroad, 
Chicago, Burlington & Quincy Railroad, 
Louisiana & Missouri Railroad, 
Iowa Falls & S. C. Railroad, 



Cost Value. 

$40,562 50 
10,400 00 
31,500 00 
28,937 50 
9,390 00 
10,887 50 
11,375 00 
11,150 00 
9,915 00 



Market Value. 

$38,500 00 
10,400 00 
31,893 75 
28,500 00 
9,760 00 
11,600 00 
11,950 00 
11,350 00 
10,160 00 



§810,593 25 $847,250 25 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY OF 

BOSTON. 

[Incorporated April 21, 1862. Commenced business Dec. 27, 1862.] 

Stephen H. Rhodes, President. George B Woodward, Secretary. 

Principal Office, Devonshire Street. 



Income. 

Cash received for premiums on new policies, . 
Cash received for renewal premiums, 
Premium notes received for renewals, . . 
Premiums paid by dividends, including additions, 
Premiums paid by surrendered policies, . 



Total, 

Deduct amount paid for re-insurance, 

Total premium income, 

Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 



Total income, .... 
Net or ledger assets Dec. 31, 1892, . 



Total, 



$2,986,435 56 

373,196 97 

12,634 87 

72,367 25 

2,049 58 

$3,446,684 23 
2,371 23 

$3,444,313 00 

222,400 51 

866 59 

79,603 29 

$3,747,183 39 
4,878,432 70 



5,625,616 09 



Disbursements. 

Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 



$1,114,988 69 

1,135 57 

39,759 76 

266 24 

$1,156,150 26 



10 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



Cash paid to annuitants, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, . • 

Surrender values, including reconverted additions applied 

in payment of premiums, 

Cash dividends paid policy-holders, .... 

Dividends applied in payment of premiums, . 
Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 

Cash paid for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for furniture and office fixtures, 

for advertising, 

for stationery, printing and postage, 
for legal and incidental expenses, . 

for real estate expenses, 

for profit and loss account, .... 



Total disbursements, 



Balance, 



$1,088 63 
81,423 15 

1,552 G5 

3,175 03 

3,538 34 

67,703 46 

5,195 25 

$1,319,826 77 

936,009 34 

339,900 71 

75,682 46 

90,731 14 

39,176 67 

41,481 26 

7,672 73 

24,175 97 

24,997 30 

30,657 68 

39,402 88 

99,969 17 

$3,069,684 08 

$5,555,932 01 



Invested in the following : — 



Assets as per Ledger Accounts 



Cost value of real estate, 

Loans on mortgage of real estate (first lieus), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Agents' ledger balances, 

Printing plant, 



Ledger assets (as per balance), 
Deduct depreciation from cost of assets, . 

Total net or ledger assets, . 



$1,164,188 06 

1,922,992 22 

7,000 00 

176,529 00 

74.372 69 

2,084,809 So 

2,014 36 

115,055 77 

4.495 56 

4,475 00 

$5,555,932 01 

3,885 45 

$5,552,046 56 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



11 



Other Assets 

Interest due and accrued, .... 
Rents due and accrued, .... 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading, 

Net am't of uncollected and deferred prern's, 

Total assets per company's books, . 



$79,919 96 

86,009 96 

$165,929 92 

39,229 81 



$110,434 86 
8,706 30 



126,700 11 
. $5,797,887 83 



Items not admitted. 



Agents' balances, 
Printing plant, . 

Total admitted assets, 



$4,495 56 
4,475 00 



8,970 56 



. $5,788,917 27 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), .... $5,188,774 00 
Deduct net value of re-insured risks, 10,047 00 



Net re-insurance reserve, .... 
Death losses in process of adjustment, 
Claims resisted by the company, 

Total policy claims, 

Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, .... 
Cash surrender values, 

Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 

Gross liabilities, 



. $5,178,727 00 
$18,660 00 
20,000 00 

38,660 00 

17,136 49 

915 78 

68,416 85 



$5,303,856 12 
485,061 15 

$5,788,917 27 



Premium Note Account. 

Premium notes on hand Dec. 31, 1892, . . $71,919 17 

Premium notes received during 1893, . . 12,634 87 

Total, $84,554 04 

Used in payment of losses and claims, . . $1,401 81 
Used in payment of surrendered policies and 

voided by lapse, 1,552 65 

Used in payment of dividends to policy-holders, 5,195 25 

Redeemed by maker in cash, .... 2,031 64 

Total, 10,181 35 

Balance note assets Dec. 31, 1893, $74,372 69 



12 JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY". 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 



Exhibit of Policies. 
'Policies and Additions in Force Dec. 31, 1892. 

Number. Amount. Total No. Total Amount. 

. 3,675 $6,679,505 00 
. 3,082 5,827,620 00 
110 203,300 00 
6,867 $12,710,425 00 

Policies issued during the Year. 
. 1,028 $2,233,041 00 
. 1,698 3,609,477 00 
12 21,700 00 



2,738 5,864,218 00 



Old Policies revived. 



817,387 00 
19,300 00 



10 



Additions by dividends, 
Total, 



Whole life, 
Endowment, 
All other, . 



Policies terminated during the Year. 

bib $1,191,370 00 

725 1,509,964 00 

20 37,500 00 







1,320 $2,738,834 00 






How terminated. 


By death, . 


• . • 


98 $197,069 00 


maturity, 


. 


36 39,862 00 


expiry, 


. 


12 22,000 00 


surrender, 


. 


218 404,158 00 


lapse, . 


. 


421 706,762 00 


change and 


decrease, . 


4 123,983 00 


Not taken, 


Policies 


531 1,245,000 00 




in Force Dec. 31, 189 a 


Whole life, 


■ • • 


4,132 $7,767,629 00 


Endowment, 


. 


4,061 7,962,920 00 


All other, . 


. 


102 187,500 00 



Industrial policies in force, 



8,295 
. 607,150 



36,687 00 
45,553 00 



9,615 $18,656,883 00 



1,320 2,738,834 00 



$15,918,049 00 
$73,043,678 00 



100 shares Middlesex Banking Company, 



Schedule A. 
Securities held as Collateral. 

Market Value. Amount Loaned 

$10,000 00 $7,000 00 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



13 



Schedule B. 
Stocks and Bonds owned by 



Massachusetts registered bonds, 
Franklin County, O., bonds, 
Washington County, 111., bonds, 
Marion County, Ind., bonds, 
Columbia County, Wash., bonds, 
Lincoln County, Neb., bonds, . 
Finney County, Kan., bonds, . 
Thurston County, Wash., bonds, 
Yellowstone County, Mont., bonds, 
Meagher County, Mont., bonds, 
Shoshone County, Idaho, bonds, 
Missoula County, Mont., bonds, 
Kootenai County, Idaho, bonds, 
Cascade County, Mont., bonds, 
La Plata County, Col., bonds, . 
Pitkin Count}', Col., bonds, 
Rio Grande County, Col., bonds, 
Franklin County, O., bonds, 
City of St. Paul, Minn., bonds,. 
City of Elkhart, Ind., bonds, 
City of Decatur, 111., bonds, 
City of Yankton, Dak., bonds, . 
City of Fremont, Neb., bonds, . 
City of Emporia, Kan , bonds, . 
City of Jetfersonville, Ind , bonds, 
City of Sioux Falls, Dak., bonds, 
City of New Albany, Ind., bonds, 
City of Kansas City, Kan., bonds, 
City of St. Cloud, Minn., bonds, 
City of Arkansas City, Kan., bonds, 
City of Beloit, Kan., bonds, 
City of Nebraska City, Neb , bonds, 
City of Evansville, Ind., bonds, 
City of Chattanooga, Tenn , bonds, 
City of Fargo, Dak., bonds, 
City of Gladstone, Mich., bonds, 
City of Fremont, Neb , bonds, . 
City of Nebraska City, Neb., bonds, 
City of Superior, Wis., bonds, . 
City of Columbus, O., bonds, . 
City of Huron, So. Dak., bonds, 
City of Middlesborough, Ky., bonds, 
Salt Lake City, Utah, bonds, . 
City of East Portland, Ore., bonds, 
City of Port Townsend, Wash., bonds, 



the Company. 

Cost Value. 

$102,779 95 
2,965 50 
5,225 00 
15,206 25 
11,800 00 
4,195 00 
10,825 00 
10,700 00 
5,287 50 
10,600 00 
14,392 35 
10,762 50 
15,412 50 
10,600 00 
5,400 00 
5,400 00 
7,315 00 
9,082 80 
10,375 00 
1,543 37 
18,540 00 
8,496 25 
5,125 00 
14,700 00 
13,585 00 
14,525 00 
7,800 00 
30,235 00 
10,650 00 
3,112 50 
6,337 50 
4,862 50 
5,000 00 
10,900 00 
5,487 50 
4,590 00 
6,120 00 
10,550 00 
10,200 00 
9,360 00 
10,000 00 
12,270 00 
9,600 00 
10,925 00 
10,000 00 



Market Value. 

$104,250 00 
2,950 00 
5,175 00 
15,000 00 
11,700 00 
4,140 00 
10,725 00 
10,600 00 
5,287 50 
11,000 00 
14,580 00 
10,600 00 
15,150 00 
10,275 00 
5,400 00 
5,400 00 
7,315 00 
9,270 00 
11,000 00 
1,500 00 
18,180 00 
8,797 50 
5,000 00 
14,560 00 
13,260 00 
13,975 00 
7,575 00 
29,850 00 
10,800 00 
3,090 00 
6,120 00 
5,000 00 
5,000 00 
11,200 00 
5,400 00 
4,500 00 
6,090 00 
10,550 00 
10,150 00 
10,080 00 
10,000 00 
12,300 00 
10,200 00 
11,500 00 
10,550 00 



14 JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



City of Duluth, Minn., bonds, . 

City of Wichita, Kan., bonds, . 

City of Ellensburgh, Wash., bonds, 

West Bay City, Mich., bonds, . 

City of Astoria, Ore., bonds, 

City of Council Bluffs, Iowa, bonds, 

City of Walla Walla, Wash., bonds, 

City of South Omaha, Neb., bonds, . 

City of Olympia, Wash., bonds, 

City of Cheyenne, Wyoming, bonds, 

City of Fargo, No. Dak., bonds, 

Logan City, Utah, bonds, . 

City of New Whatcom, Wash., bonds, 

City of Beatrice, Neb., bonds, . 

City of La Grande, Ore., bonds, 

City of Snohomish, Wash., bonds, . 

City of Colfax, Wash., bonds, . 

City of Fairhaven, Wash., bonds, 

City of Woodland, Cal., bonds, 

City of Lakeside, Minn., bonds, 

City of South St Paul, Minn., bonds, 

City of Port Angeles, Wash., bonds, 

City of Denver, Col. (warrants), 

City of Great Falls, Mont, bonds, . 

City of Duluth, Minn , bonds, . 

City of Boston, Mass , registered bonds, 

City of Cleveland, O., bonds, . 

City of Somerville, Mass., bonds, 

City of Columbus, O., bonds, . 

City of Duluth, Minn., bonds, . 

City of Lynn, Mass., registered bonds, 

City of Haverhill, Mass., bonds, 

City of Toledo, O., bonds, 

Town of Spencer, Ind., bonds, 

Delaware Township, Kan , bonds, . 

Elmwood Township, 111., bonds, 

Village of Groveport, O., bonds, 

Town of So. Bend, Wash., bonds, . 

Wyandotte County, Kan., School Dist. bonds, 

City of Seattle, Wash., bonds, . 

City of Albina, Ore., bonds, 

City of Helena, Mont., bonds, . 

Ouray County, Col., bonds, 

City of Moscow, Idaho, bonds, 

Arapahoe County, Col., bonds, 

Gallatin County, Mont., bonds, 

Indep. School Dist., Duluth, Minn., bonds, 

Board of Education, Cleveland, O., bonds, 



Cost Value. 

$5,000 00 

4,611 81 

10,000 00 

10,197 00 

10,600 00 

10,950 00 

5,350 00 

9,443 25 

10,637 50 

5,225 00 

10,800 00 

4,875 00 

10,650 00 

10,000 00 

5,190 50 

5,175 00 

10,575 00 

10,594 00 

14.536 50 
8,200 00 

16.537 50 
10,000 00 
13,860 00 
10,675 00 
10,000 00 
60,025 00 
10,500 00 
25,375 00 
20,550 00 
11,000 00 
20,000 00 
15,337 50 
21,300 00 

5,115 00 

9,500 00 

4,975 00 

1,215 00 

5,000 00 

5,250 00 

10,287 50 

10,675 00 

10,400 00 

5,500 00 

7,717 50 

5,162 50 

4,758 75 

10,000 00 

10,050 00 



Market Value. 

f5,050 00 

4,658 40 

10,300 00 

10,100 00 

10,550 00 

10,600 00 

5,250 00 

9,495 00 

10,500 00 

5,050 00 

10,550 00 

4,900 00 

10,600 00 

9,800 00 

5,200 00 

5,200 00 

10,400 00 

10,400 00 

14,450 00 

8,120 00 

17,025 00 

10,000 00 

14,000 00 

10,550 00 

10,200 00 

62,947 50 

10,875 00 

26,000 00 

20,925 00 

11,220 00 

20,700 00 

15,675 00 

21,300 00 

5,000 00 

10,000 00 

5,000 00 

1,200 00 

5,100 00 

5,100 00 

10,500 00 

10,650 00 

10,450 00 

5,500 00 

7,630 00 

5,175 00 

4,725 00 

10,000 00 

10,050 00 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



15 



Minneapolis Gas Light Co., Minn., bonds, 
Saratoga Gas and Elec. Light Co., N. Y., bonds 
Central Special Drainage Dist., 111., bonds, 
The Middlesex Banking Co., Conn., bonds, 
Kan. City Real Est. and Stock Exch , Mo., bds 
New England Mort Sec. Co., Mass., bonds, 
Pt. Ches., Con. Gas and Elec. L't Co., N. Y., bds 
St. Paul Gas Light Co., Minn., bonds, 
The Colorado Mining Stock Exchange bonds 
Kansas City Electric Light Co. bonds, 
United Electric Securities Co. bonds, 
Land & Riv. ImprVt Co., W. Sup., Wis., bds. 
Cedar Rapids & Missouri River R.R. bonds, 
Lowell & Andover Railroad bonds, 
Old Colony Railroad bonds, 
New York & New England Railroad bonds, 
Cheshire Railroad bonds, 
Saginaw Valley & St. Louis Railroad bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Lowell & Lawrence Railroad bonds, 
Oregon Railway and Navigation Co. bonds, 
Consolidated Railroad Co of Vermont bonds 
Quincy, Alton & St. Louis Railway bonds, 
Leavenworth, Topeka & So. West. R'y bonds 
Cleve., Columbus, Cin. & Ind. R.R. bonds, 
Chicago, Burlington & Northern R.R. bonds, 
Wisconsin Central Railroad bonds, . 
Atchison, Colorado & Pacific Railroad bonds, 
Chicago & Eastern Illinois Railroad bonds, 
Little Rock & Fort Smith Railway bonds, 
Carolina Central Railroad bonds, 
James River Valley Railroad bonds, 
St. Joseph & Grand Island Railroad bonds, 
St. Louis Cable & Western Railway bonds, 
Spokane & Palouse Railroad bonds, 
Helena & Red Mountain Railroad bonds, 
Kan. City, Memphis & Birm'gham R.R. bonds 
The Marietta Mineral Railway bonds, 
Chicago, Burlington & Northern R.R. bonds, 
Atchison, Topeka & Santa Fe Railroad bonds 
Oregon Railway & Navigation Co. bonds, 
Syracuse Consolidated Street Railway bonds 
Canton St. R'y & Lake Side St. Railroad bonds 
Des Moines Street Railroad bonds, . . ^ 
The Chicago and Atchison Bridge Co. bonds, 
Tarkio Valley Railroad bonds, 
St. Louis and Suburban Railway bonds, . 
Kansas City, Mem. & Birm'gham R.R. bonds 



Cost Value. 

$10,500 00 

10,350 00 

5,162 50 

10,000 00 

29,850 00 

10,000 00 

4,462 50 

9,750 00 

10,000 00 

5,985 00 

36,300 00 

9,900 00 

13,500 00 

18,300 00 

1,020 00 

20,862 50 

5,500 00 

19,680 00 

10,612 50 

1,115 00 

10,761 90 

4,180 00 

9,587 50 

2,210 00 

9,750 00 

1,500 00 

8,787 50 

4,275 00 

22,300 00 

6,800 00 

9,975 00 

5,400 00 

10,837 50 

11,742 50 

7,400 00 

5,450 00 

2,412 50 

9,500 00 

10,200 00 

47,925 00 

4,650 00 

4,975 00 

10,475 00 

10,675 00 

19,950 00 

9,967 50 

8,550 00 

450 00 



Market Value. 

$10,250 00 

10,000 00 

5,000 00 

10,000 00 

30,000 00 

10,000 00 

5,000 00 

10,000 00 

10,000 00 

6,000 00 

36,300 00 

9,900 00 

15,000 00 

20,000 00 

1,060 00 

20,000 00 

5,250 00 

18,400 00 

11,500 00 

1,030 00 

10,200 00 

6,764 00 

9,700 00 

1,500 00 

11,000 00 

1,530 00 

9,600 00 

4,500 00 

24,000 00 

7,325 00 

9,500 00 

5,000 CO 

6,750 00 

11,000 00 

7,500 00 

5,000 00 

2,300 00 

9,250 00 

10,000 00 

46,900 00 

5,000 00 

4,500 00 

10,000 00 

10,000 00 

19,000 00 

9,180 00 

9,000 00 

375 00 



16 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



Cincinnati, Dayton & Ironton R R. bonds, 
Kan. City & Memphis R'y & Bridge Co. bond 
The Northern Pacific Terminal Co. bonds, 
Minn., Lyn. & M'tonka & M'n St. R'y Co. bds. 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago & \Ye>t Michigan R'y bonds, 
Great Northern Railway bonds, 
West End St. R'y (Rockford, 111.) bonds, 
Kansas City Elevated Railway bonds, 
Metropolitan West Side Ry. (Chicago) bonds 
Union Pacific Railway notes, . 
Consol. St Ry. (Grand Rapids, Mich.) bonds 
Atchison, Topeka & Santa Fe R.R. bonds, 
Kansas City, Ft Scott & Memphis R R. bonds 
Superior Rapid Transit Ry. bonds, . 
Metropolitan Ry. (Denver, Col.) bonds, . 
Portland Consolidated St. Ry. (Oregon) bonds 
Keithsburg Bridge Co. (111.) bonds, 
St. Paul City Ry. bonds, .... 
Chicago, Burlington & Quincy R.R. bonds, 
Oregon Short Line & Utah No. Ry. bonds, 
Mexican Northern Railwaj 7 bonds, . 
Rio Grande Western Railway bonds, 
Louisville, New Albany & Chicago Ry. bonds 
The Colorado Springs Rapid Tran. Ry. bonds 
Salt Lake City Railroad bonds, 
Centralia & Chester Railroad bonds, 
The Wichita Electric Ry. & Light Co. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Fitchburg Railroad bonds, 
Boston & Lowell Railroad bonds, . 
Boston & Maine Railroad bonds, 
100 shares New England National Bank, 
50 " Tremont National Bank, 
35 " Boylston National Bank, 
100 " Continental National Bank, . 
100 " Washington National Bank, . 
22 " State National Bank, 
100 " Boston Nat'l B'k of Seattle, Wash. 
25 " American Loan and Trust Co., 
200 " Chicago, Burl. & Quincy R.R., 
50 " Union Pacific Railroad, . 
50 " Atchison, Topeka & Santa Fe R.R. 
55 " Central Massachusetts Railroad, 
75 " Boston & Maine Railroad, 
40 " Metro. W. Side Elev. R.R. (Chic.) 



Cost Value. 

$19,300 00 

19,362 50 

10,700 00 

18,750 00 

2,000 00 

9,850 00 

13,725 00 

10,000 00 

10,500 00 

18,600 00 

23,731 25 

4,669 00 

10,455 43 

19,021 25 

10,200 00 

15,300 00 

15,600 00 

10,0C0 00 

9,250 00 

13,200 00 

8,625 00 

10,000 00 

15,475 00 

15,899 00 

10,100 00 

10,000 00 

9,500 00 

9,500 00 

23,000 00 

10,567 50 

12,000 00 

20,500 00 

12,031 00 

5,590 50 

4,362 50 

10,150 00 

13,537 50 

2,531 50 

10,000 00 

2,550 00 

31,134 62 

731 25 

1,212 50 

3,208 25 

8,236 12 

400 00 



Market Value. 

$18,600 00 
19,000 00 

9,200 00 
19,000 00 

2,020 00 

6,000 00 
13,500 00 
10,000 00 
10,000 00 
19,000 00 
21,500 00 

4,750 00 
12,800 00 
19,375 00 
10,200 00 
15,300 00 
15,000 00 
10,000 00 

9,250 00 
12,300 00 

9,000 00 

9,500 00 
14,000 00 
14,000 00 
10,000 00 
10,000 00 

9,500 00 

9,500 00 
23,800 00 
10,450 00 
12,000 00 
21,100 00 
16,000 00 

4,400 00 

4,348 75 
11,400 00 
10,100 00 

2,354 00 
10,000 00 

3.775 00 

29,600 00 

868 75 

562 50 

2,640 00 

10,050 00 

400 00 



$2,084,809 35 $2,080,923 90 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 17 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY, 

SPRINGFIELD. 

[Incorporated May 1, 1851. Commenced business Aug. 1, 1851.] 

M. V. B. Edgerly, President John A. Hall, Secretanj. 



Income. 

Cash received for premiums on new policies, 
Cash received for renewal premiums, 
Premium notes received for new policies, 
Premium notes received for renewals, 
Premiums paid by dividends, . 
Premiums paid by surrendered policies, 

Total, 

Deduct amount paid for re-insurance, 

Total premium income, 
Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 
from all other sources, 

Total income, 

Net or ledger assets Dec. 31, 1892, .... 

Total, 

Disbursements. 
Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies re-insured, 



Net amount paid for losses and endowments, . 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Surrender values applied in payment of premiums, 
Cash dividends paid policy-holders, .... 

Dividends applied in payment of premiums, . 
Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 



$504,323 95 

1,979,855 07 

9,947 00 

156,327 70 

289,166 02 

7,896 55 

$2,947,516 29 
36,411 55 

$2,911,104 74 

608,220 45 

1,010 59 

26,019 06 

7,730 73 

$3,554,085 57 
12,435,319 26 



115,989,404 83 



$821,789 34 

18,160 20 

139,248 85 

2,045 15 

|981,243 54 
1,645 00 



$979,598 54 

257,025 85 

35,401 97 

7,896 55 

18,361 71 

289,166 02 

64,411 76 

$1,651,862 40 



18 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 



Cash paid for commissions to agents, 

for salaries and travelling expenses of agents, 
for medical examiner's fees, . 
for salaries of officers and office employees, 
for taxes and fees, . 

for rent, 

for furniture and office fixtures, 
for advertising and printing, . 
for postage, stationery, etc., 
for expenses on real estate, 
for profit and loss account, 

Total disbursements, 

Balance, 



. $399,451 79 


84,634 


64 


36,12D 


65 


89,557 


19 


46,697 


51 


28,951 81 


3,6- 


39 


24,842 


32 


39,454 


96 


24,748 


63 


24,298 


41 


. 82,454,311 


70 



$13,535,093 13 



Invested in the following: — 



Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Ledger assets (as per balance), 



4,661,421 10 

1,179,405 56 

665,120 00 

617,400 42 

5,212,51 •_ 

51,638 13 

598,809 25 



$13,535,093 13 



Other Assets. 
Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of real estate, over cost, 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), . 

Net am't of uncollected and deferred prem's, 

Total assets per company's books, . 



3203,037 24 
364,869 84 



§567,907 08 
113,581 42 



313,64 

4.717 95 

58,128 83 

114,574 84 



454,325 66 



814.480,480 80 



Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent ). 
Deduct net value of re-insured risks, .... 



$13,383,591 00 
168,553 00 



Net re-insurance reserve, . 



f 13,215.038 00 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 



19 



Death losses and matured endowments in 

process of adjustment, 

Claims resisted by the company, 

Total policy claims, 

Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, .... 

Liabilities as to policy-holders, 
Surplus as regards policy-holders, . 

Gross liabilities, 



,855 39 
22,000 00 



$110,855 39 

116,895 22 

4,072 23 



$13,446,860 84 
. 1,033,619 96 



$14,480,480 80 



Premium Note Account 

Premium notes on hand Dec. 31, 1892, . . $576,729 84 

Premium notes received during 1893, . . 166,274 70 

Total, $743,004 54 

Used in payment of losses and claims, . . $20,205 35 
Used in payment of surrendered policies and 

voided by lapse, 35,401 97 

Used in payment of dividends to policy-holders, 61,121 32 

Redeemed by maker in cash, .... 8,875 48 

Total, . * 125,604 12 



Balance note assets Dec. 31, 1893, 

Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1892. 



117,400 42 



Whole life, 
Endowment, 
All other, . 
Reversionary 


additions, 
Pol 

dividends, 


Number. Amount. 

. 23,711 $66,323,549 00 

. 4,508 10,466,124 00 

548 1,519,271 00 

158,553 00 


Total No. 

28,767 
r. 

7,356 
35 


Total Amount. 

$78,467,497 00 

19,481,200 00 

127,712 00 

74,906 00 
58,797 00 


Whole life, 
Endowment, 
All other, . 


Hcies issued during the Yea 

. 6,885 $17,976,200 00 

387 1,192,500 00 

84 312,500 00 


Whole life, 
Endowment, 


Old Policies revived. 

34 $122,712 00 

1 5,000 00 


Whole life, 
Endowment, 


OH Policies increased. 

$66,129 00 

8,777 00 


Additions by 





Total, 


36,158 


$98,210,112 00 



20 MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 



Policies terminated during the Year. 

Number. Amount. Total No. 

Whole life, . . . 4,273 $12,916,590 00 
Endowment, . . . 400 1,083,958 00 
Allother, . . . . 119 448,595 00 



Total Amount. 



4,792 $14,449,143 00 



How terminated. 



By death, . 

maturity, 

expiry, 

surrender, 

lapse, . 

change and decrease, 
Not taken, 



354 

65 

30 

844 

1,925 

1,574 



£882,421 00 

140,599 00 

67,000 00 

2,390,750 00 

5,225,270 00 
923,853 00 

4,819,250 00 





Policies in Force Dec. 31, 18 i 


Whole life, 


, . 


. 26,352 


$71,546,000 00 


Endowment, 


. 


. 4,496 


10,580,443 00 


All other, . 


. . 


518 


1,423,970 00 


Reversionary 


additions, 


. 


210,556 00 



4,792 814,449,143 00 



31,366 $83,760,969 00 



Schedule A. 



Securities held as Collateral. 

Market Value. 

$121,000 00 
136,500 00 



N. Y. & N. E. R.R. terminal bonds, . 
1,050 shares Boston & Maine R.R., . 
Meriden, Waterbury & Conn. River R.R., 
Hoosac Tunnel & Wilmington bonds, 
50 shares Boston Herald Company, . 
Connecticut River Paper Co. bonds, 
10 shares East Tilton Pulp Co., 

20 shares P. C. Cheney Co 

Savings Bank Book, Manchester, N. H., . 
10 shares Excelsior Paper Stock Co., 

5 " Am. Speaking Telephone Co., 

6 " N. Y. & N. J. Telephone Co., 
150 " Albany Card & Paper Co., 
Life insurance assigned to the Co., . 
Southern Central R.R. of N. Y., 

400 shares Fairfield Paper Co., 
1,000 " Lackawanna & So. Western R.R 
254 " Columbus, S. & Hocking R.R , 
85 " United Electric Light Co., . 



5,000 00 

110,000 00 

50,000 00 

80,000 00 

500 00 

18,000 00 

2,000 00 

500 00 

750 00 

600 00 

5,000 00 

5,000 00 

4,000 00 

40,000 00 

25,000 00 

15,000 00 

9,350 00 



Loaned Thereon. 

$250,000 00 

83,130 56 
13,000 00 
75,000 00 

} 

[ 17,900 00 



1,000 00 

8,000 00 

3,000 00 
22,000 00 

40,000 00 
6,500 00 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 21 



50 shares L.L Brown Paper Co., Adams, Mass., 

Renfrew Mfg. Co. bonds, 

157 shares Springfield Fire & Marine Ins. Co., 
10 " Third National Bank, Springfield, 
20 " Springfield Fire & Mar. Ins. Co., 
20 " Holyoke Street Railway Co., . 

25 " Springfield Street Railway Co., 
Des Moines & Kan City Ry. bonds,. 
100 shares Wason Manufacturing Co., 
78 shares Agawain National Bank, . 
Springfield Steam Power Co., . 
N. Y., L. E & W. Ry. Co. note, 
100 shares Thompson ville Water Co., 
100 shares Citizens' Bank, Newton, Kansas, 
Phila., Reading & New England R.R , 

63 shares Chapman Valve Mfg. Co., 
50 " Metallic Drawing Roll Co., 

100 " Union Pacific R.R., . 
22 " Chicago & Alton R R Co., 

100 " West End Land Co., 
50 " Bost. & Mont. Silver & Copper Co. 

200 " Winona Paper Co., . 

150 " Conn. River Paper Co., . 
50 " United Electric Light Co., 
20 " United Electric Light Co., 
75 " Morgan Envelope Co., . 
83 " Hartford Manilla Co., . 

26 " Edison Electric Illuminating Co., 
60 " United Electric Light Co., 
26 " Springfield Street Railway Co., 

146 " New Hampshire Fire Ins. Co., 
240 " People's Gaslight Co , Manchester 
Guarantee Fund of Guarantee Sav. B'k, Man., 
150 shares Xonotuck Paper Co., 
N. Y., Rutland & Montreal R R., 

2 shares N. Y., N. H. & H. R.R. Co., . 

10 " First Nat'l Bank, Creighton, Neb., 

48 " Iowa Natl Bank, Des Moines, la., 
248 " Barre, Vt., Water Co., . 
607 " Revere, Mass., Water Co., 
Hartford Water Co bonds, 
100 shares Union Natl Bank, . 

60 shares Boies State Savings Bank, 

75 lots in Centralia, Wash., . 
150 shares Merchants 1 Natl Bank, Tacoma, 
Life insurance policy assigned, 
180 shares Portland Natl Bank, Portland, 

50 shares Portland Street Ry. Co., Portland, 



Market Value. 

$10,000 00 

15,000 00 

31,400 00 

2,000 00 

4,000 00 

4,500 00 

5,625 00 

210,000 00 

12,500 00 

7,800 00 

40,000 00 

10,000 00 

2,500 00 

2,800 00 

15,000 00 

10,000 00 

8,750 00 

1,750 00 

2,970 00 

1,000 00 

1,375 00 



Loaned Thereon. 

I $25,000 00 
23,000 00 

[ 15,000 00 

J 

200,000 00 
I 16,300 00 

I 40,000 00 

I 5,000 00 

( 25,000 00 

) 

I 6,000 00 



390 00 

1,000 00 

5,760 00 

20,000 00- 

55,000 00 

34,125 00. 

20,000 00 

7,500 00 

18,000 00 

13,500 00 
6,500 00 



20,000 00 
19,000 00 
1,400 00 



15,000 00 I 

5,500 00 ! 

2,200 00 

7,500 OO^j 

4,150 00 | 

1,750 00 }> 21,000 00 

6,600 00 I 

5,850 00 J 
15,000 00^ 

25,000 00 i 40,000 00 
10,000 00 ) 
22,500 00 



15,000 00 

20,000 00 

350 00 

600 00 

4,800 00 

40,000 00 

15,000 00 

4,000 00 

15,000 00 

15,000 00 



22 MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 



50 shares Boston & Maine R.R., 
50 " American Sugar Refining Co., 
21 " Pullman Palace Car Co., . 
17 " Conn. River RR. Co, . 
Conn. River R.R. Co., . 
50 shares Conn. River R.R. Co , . 



Owasco R.R. Co., 
Holyoke Street Ry. Co., . 
Manchester, N. H., Gas Light Co , 
Amoskeag Nat 1 ! Bank, . 
New Hampshire Fire Ins. Co., 
Boston & Albany RR., . 
John Hancock Natl Bank, 



287 

38 

10 

15 ' 

15 
5 

10 
Real estate mortgages, 



Market Value. Loaned Thereon. 



$6,500 00>| 
4,050 00 I 
3,402 00 | 
3,910 00 J 
5,000 00 ) 
11,500 00 S 
28,700 00 
8,550 00 
6,000 00^ 
3,000 00 i 
3,000 00 ) 
1,000 00 
1,100 00 
5,000 00 



$12,125 00 



15,600 00 

25,000 00 
5,000 00 

10,000 00 

700 00 
1,000 00 
4,000 00 



$1,420,707 00 $1,179,405 56 



Schedule B. 

Stocks and Bonds owned by the Company. 

. Cost Value. Market Value. 

Massachusetts Armory Loan bonds, . . $100,000 00 $105,000 00 

Chicago & Northwestern Railway Co. bonds, 139,000 00 149,950 00 

Burlington & Mo. River Railroad Co. bonds, . 890 00 850 00 

Chicago, Burlington & Quincy R.R. Co. bonds, 179,600 00 180,675 00 

Mahoning Coal Railroad Company bonds, . 45,097 24 56,000 00 

Southern Central Railroad Co. of N. Y. bonds, 53,490 00 29,670 00 

American Dock & Improvement Co. bonds, . 45,562 50 55,500 00 

Lebanon Springs R.R. Co. of New York bonds, 38,002 01 38,002 01 

Oregon Short Line Railroad Company bonds, 21,915 00 18,750 00 

Iowa Central Railroad Company bonds, . . 64,467 63 54,272 20 

St. Louis & Hannibal Railroad Co. bonds, . 4,000 00 4,000 00 

Northern Pacific Railway Company bonds, . 18,500 00 18,500 00 

Helena and Red Mountain Railroad Co. bonds, 40,000 00 20,000 00 

Cedar Rapids, la. Falls & X. W R.R. Co. bonds, 50,000 00 50,500 00 

Canada Southern Railway Co. bonds. . . 22,125 00 25,625 00 

Verdigris Valley, Ind. & Western R.R. bonds, . 40,000 00 34,000 00 

Boston, Hoosac Tunnel & Western R.R. bonds, 43,804 00 46,000 00 

Louisville & Nashville Railroad bonds, . . 81,187 50 86,560 00 

E. Tenn., Virginia & Georgia R R. Co. bonds, 49,062 50 44,750 00 

Kansas City, Memphis & Birm. R.R. bonds, . 26,875 00 14,062 50 

Grand Rapids, Lansing & Detroit R.R bonds, . 100,000 00 100,000 00 

St. Louis, Council Bluffs & Omaha R.R. bonds, 50,000 00 51,000 00 

Nash., Chattanooga & St. Louis R.R. Co. bonds, 50,000 00 55,000 00 

St. Paul, Minn. & Manitoba R.R. Co. bonds, . 42,874 75 44,500 00 

Maine Central Railroad bonds, . . . 49,875 00 52,500 00 

Peoria & Eastern Railroad bonds, . . . 84,769 72 61,150 00 

Pittsb., Painesville & Fairport R.R. Co. bonds, 47,500 00 47,500 00 

Texas & Pacific Railway Company bonds, . 45,300 00 36,500 00 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 



23 



Chic. June. Ry. & Un. Stock Yds. Co. bonds, 

Rio Grande & Western Railroad Co. bonds, 

Kan. City, St. Jo. & Coun. Bluffs R.R. Co. bonds 

Oregon Improvement Company bonds, . 

St. Louis & Southwestern Railway Co. bonds, 

Woonsocket & Pascoag Railroad bonds, . 

Cincinnati, Dayton & Ironton R.R Co. bonds 

Wisconsin Central Railroad Company bonds, 

Manchester & Lawrence Railroad Co. bonds, 

Wabash Railroad Company bonds, . 

Great Northern Railroad Company bonds, 

Virginia Midland Railway Company bonds, 

New York, New Haven & Hart. R.R. Co. bonds 

Connecticut River Railroad Company bonds, 

Springfield Masonic Hall Association bonds, 

State of Tennessee bonds, 

City of Haverhill, Mass., bonds, 

City of Boston bonds, 

City of Seattle, Wash., bonds, . 

State of Alabama bonds, . 

City of Chicago, 111., bonds, 

City of Fair Haven, Wash., bonds, 

City of Toledo, O., bonds, 

City of Columbus, O , bonds, . 

Town of Everett, Mass , bonds, 

City of Lawrence, Mass., bonds, 

City of Lowell, Mass., bonds, . 

Jay County, Ind., funding bonds, 

Leavenworth County, Kan., school bonds, 

Leavenworth County, Kan., funding bonds, 

Chautauqua County, Kan., bonds, 

Cowley County, Kan , bonds, 

Saline County, Kan., bonds, 

Clay County, Kan., bonds, 

"White County, 111 , bonds, 

Perry County, 111., bonds, . 

Saline County, 111., bonds, 

Lancaster County, Neb., bonds, 

Henry County, O., bonds, . 

Town of Kewanee, Henry County, 111., bonds 

Town of Douglass, 111., bonds, 

Town of Oswego, Kan., funding bonds 

City of Toledo, O , bonds, 

City of Eurlingame, Kan., bonds, . 

City of Kansas, Kan , bonds, . 

City of Morehead, Minn , bonds, 

City of Paris, Tex., bonds, 

City of Clinton, la., bonds, 



Cost Value. 

§ 102,750 00 
17,125 00 
21,000 00 
51,737 00 
41,220 00 
37,000 00 
23,875 00 
45,375 00 
274,000 00 
153,984 81 
45,375 00 
85,350 00 
50,000 00 

70,000 00 
75,866 25 

100,000 00 
65,602 55 
98,500 00 
24,000 00 

100,000 00 
50,000 00 
91,850 00 
49,000 00 
25,000 00 
10,000 00 
5,000 00 
80,000 00 
5,545 53 
29,400 00 
37.620 00 
50,000 00 
58,000 00 
48,000 00 

100,000 00 

12,000 00 

30,000 00 

69,970 00 

30,000 00 

21,500 00 

32,000 00 

28,500 00 

1,000 00 

4,000 00 

5,900 00 

10,000 00 

50,000 00 

20,000 00 



Market Value. 

$105,040 00 
17,500 00 
25,200 00 
42,500 00 
29,181 88 
38,850 00 
24,375 00 
35,000 00 

284,960 00 

175,000 00 
45,000 00 
70,000 00 
79,000 00 
400 00 
73,500 00 
75,000 00 

103,500 00 
80,940 00 

100,000 00 
24,960 00 

105,000 00 
52,500 00 
97,361 00 
51,940 00 
26,125 00 
10,2o0 00 
5,225 00 
84,000 00 
5,545 53 
30,000 00 
38,000 00 
50,000 00 
58,000 00 
50,000 00 

105,000 00 

12,000 00 

30,000 00 

70,000 00 

31,500 00 

21,500 00 

32,000 00 

30,000 00 

1,000 00 

4,000 00 

5,900 00 

10,500 00 

50,000 00 

21,000 00 



24 MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 



Cost Value. Market Value. 

Marshalltown, Ta, funding bonds, . . . $29,000 00 |30,450 00 

Pleasant Corner, la., Polk County, bonds, . 10,000 00 10,500 00 

HeemanMfg. Co., North Adams, Mass., bonds, 30,000 00 30,000 00 

Dunn & McCarthy, real estate bonds, . . 19,000 00 19,000 00 

City of Holyoke notes, 2,000 00 2,000 00 

Wallingford, Conn., Gas Light Co. bonds, . 19,500 00 21,000 00 

Council Bluffs, la., City Water Works bonds, . 30,000 00 31,500 00 

City of Fairfield, la. bonds 17,575 00 19,950 00 

Hornelville, N. Y., Water Company bonds, . 24,375 00 26,250 00 

National Water Works Co., N. Y. bonds, . 97,500 00 100,000 00 

City Water Works Company of Omaha bonds, 75,000 00 82,500 00 

L'venw'th C\ & Ft L., Ks., Water Co. b'ds, . 50,000 00 55,000 00 

Knoxville, Tenn., Water Company bonds, . 34,500 00 36,750 00 

Chippewa Falls, Wis., Water Works bonds, . 34,868 15 40,700 00 

Crookston, Minn., Water W'ks,P. and L'tCo. b'ds, 45,000 00 49,500 00 

Thompsonville, Conn., Water Co. bonds, . 25,000 00 20,250 00 

625 shares Boston & Albany Railroad, . . 75,021 86 125,000 00 

1,500 " Chic. June. Ry & Un. Stock Yds , 146,055 00 142,500 00 

600 t " Albany & Susquehanna Railroad,. 76,362 50 102,000 00 

300 " N. Y., N. H. & Hartford Railroad, 53,290 50 57,000 00 

646 " Chic, Burlington &QuincyR.R., . 77,704 33 48,773 00 

100 " Lake Shore & Mich. South'n R.R., 13,852 50 12,025 00 

300 " Chicago & Northwestern R.R., . 32,975 00 29,550 00 

300 " Detroit, Hillsdale & So. West R.R., 22,633 00 27,000 00 

50 " St. Louis & Southwestern K.R., . - 450 00 

1,000 " N. Y. Central & St. Louis R.R., . 71,612 50 68,000 00 

100 " Iowa Central Railroad, ... - 2,300 00 

20 " Oregon Short Line Railroad, . - 100 00 

8 " Connecticut River Railroad, . . 2,105 00 1,784 00 

3 " Portland, Saco& Portsmouth R R., 369 00 369 00 

100 " Agawara Manufacturing Co , . 5,000 00 5,000 00 

2,500 " Leadville Power, Wtr. & Min. Co., 25,229 00 25,229 00 

280 " Silverton Water Supply Company, 26,844 95 30,800 00 

1.250 " No. Poudre Land & Canal Co., . 13,772 55 13,772 55 

3,750 " Rio Grande Land & Canal Co , . 8,395 12 8,395 12 

34 " First N'l B'k stock, Northampton, 3,455 50 4,420 00 

65 " Franklin Co. B'k stock, Greenfield, 6,305 00 6,500 00 

50 " Globe N'l B'k stock, Boston, . 5,287 50 4,950 00 

2,116 " First N'l B'k stock, Chelsea, . 31,980 00 30,750 00 



$5,212,512 95 £5,327,087 79 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



25 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY, BOSTON. 

[Incorporated April 1, 1835. Commenced business Dec. 1, 1843.] 

Benj. F. Stevens, President. S. F. Trull, Secretary. 

Principal Office, Post Office Square. 

Income. 
Cash received for premiums on new policies, . 



Cash received for renewal premiums, 
Premium notes received for new policies, 
Premium notes received for renewals, 
Premiums paid by dividends, . 



Total, 

Cash received for interest, .... 
Cash received for rents of company's property, 
Profit and loss account, 



Total income, 
Net or ledger assets Dec. 31, 1892, 



Total, 



f217,330 09 

1,465,267 09 

100,966 25 

678,116 40 

586,325 00 



1,048,004 83 

998,250 10 

79,416 05 

40,500 09 



$4,166,171 07 
21,730,030 64 



$25,896,201 71 



Disbursements. 

Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, 

Gross amount paid for losses and endowments, 
Cash paid for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Cash distributions paid policy-holders, .... 
Distributions applied in payment of premiums, 
Premium notes or loans used in payment of distributions, 

Total paid policy-holders, 

Cash paid for commissions to agents, 

for medical examiner's fees, . 

for salaries of officers and office employees, 

for taxes and fees, 

for advertising, 

for printing, stationery, etc., . 

for accrued interest on securities purchased, 

Total disbursements, 

Balance, 



. $1,410,483 68 


46,464 


32 


236,415 


72 


18,074 


28 


. $1,711,438 


00 


475,268 79 
1 


i 

51,105 


12 


68,425 


25 


586,325 


00 


14,226 


05 


. $2,906,788 


21 


228,156 


36 


15,436 


10 


109,081 


64 


53,683 


06 


12,238 


87 


171,019 


34 


14,933 


61 


. $3,511,337 


19 



$22,384,864 52 



2(5 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 
Cash deposited in bank, 



Ledger assets (as per balance), 

Other Assets. 

Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds, over cost, 
Deferred premiums on policies in force, . 
Deduct loading (20 per cent.), . 
Net am't of uncollected and deferred prem's, 

Total assets per company's books, . 



81,787,880 75 

3,320,450 00 

1,951,812 01 

500 00 

905,073 50 

13,804,954 61 

548,193 65 



$22,384,864 52 



238,684 97 

12,657 08 

390,975 84 



$221,225 21 
44,245 04 



176,980 17 



$23,204,162 58 



Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), 
Death losses due and unpaid, . 
Matured endowments due and unpaid, 

Total policy claims, .... 
Unpaid distributions of surplus due policy-holders, 

Liabilities as to policy-holders, 
Surplus as regards policy-holders, .... 



321,214,497 00 



? 151,052 00 
28,855 00 



Gross liabilities, 



179,907 00 
112,749 14 



821,507,153 14 
. 1,697,009 44 



.204,162 58 



Premium Note Account. 

Premium notes on hand Dec 31, 1892, . . $ 885,697 24 
Premium notes received during 1893, . . 779,082 65 

Total, f 1,664,779 89 

Used in payment of losses and claims, . . £64,538 60 
Used in payment of surrendered policies and 

voided by lapse, 51,105 12 

Used in payment of dividends to policy-holders, 14,226 05 

Redeemed by maker in cash, .... 629,836 62 

Total, 759,706 39 



Balance note assets Dec. 31, 1893, 



$905,073 50 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



27 



Whole life, 
Endowment, 
All other, . 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1892. 



Number. 


Amount. Total No. 


Total Amount. 


9,108 


$26,824,409 00 




21,467 


62,210,696 00 




662 


1,823,992 00 






31,237 


'$90,859,097 00 



Endowment, 
All other, . 



Policies issued during the Year. 

. 3,482 $9,403,500 00 
1 3,500 00 



3,483 



9,407,000 GO 



Whole life, 
Endowment, 



Old Policies revived. 
27 $51,439 00 

22 42,840 00 



49 



94,279 00 



Whole life, 
Endowment, 

Additions by dividends, 



Old Policies increased. 
$2,963 00 
1 99,992 00 



102,955 00 
39,806 00 



Total, 34,770 $100,503,137 00 

Policies terminated during the Year. 

Whole life, ... 377 $1,203,528 00 . 
Endowment, . . . 2,110 6,528,590 00 
All other, . . . . 127 342,000 00 





2,614 


$8,074,118 00 




How terminated. 


By death, .... 


488 


$1,517,989 00 


maturity, 


112 


258,290 00 


expiry, 


124 


332,000 00 


surrender, . 


913 


2,413,955 00 


lapse, .... 


530 


1,354,250 00 


change and decrease, . 


1 


914,634 00 


Not taken, 


446 


1,283,000 00 



2,614 8,074,118 00 



Whole life, 
Endowment, 
All other, . 



Policies in Force Dec. 31, 1893. 

. 8,758 $25,687,064 00 

. 22,862 65,256,389 00 

536 1,485,566 00 
32,156 



$92,429,019 00 



28 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



Schedule A. 
Securities held as Collateral. 

Market Value. 

. $400 00 
8,000 00 



Freeman's National Bank stock, 
Huntington Avenue Lands stock, 
Chicago, Burlington & Quincy stock, 
New York & New England R.R. bonds, 
Burlington & Mo. River R.R. bonds, 
Ogdensburg & Lake Champlain R.R. bonds, 
Rensselaer & Saratoga R.R. stock, . 
Rio Grande Western Railway bonds, 
Mexican Central R.R. bonds, . 
Oregon Improvement Co. bonds, 
Flint & Pere Marquette R.R. stock, . 
Pullman's Palace Car Co. stock, 
Atchison, Topeka & Santa Fe stock, 
Atchison, Topeka & Santa Fe bonds, 
Huntington Avenue Lands stock, 
Norwich & Worcester R.R. stock, . 
Third Natioual Bank stock, 
Boston National Bank of Seattle stock, 
Hingham Water Co. stock, 
Huntington Avenue Lands stock, 
Westminster Bank of Providence stock, 
Pullman's Palace Car Co. stock, 
N. E. Safe Deposit and Trust Co. of Missouri, 
Louisville, Evansville & St. Louis R.R. bonds, 
Atchison, Topeka & Santa Fe R.R. bonds, 
American Bell Telephone bonds, 
Fitchburg R.R. Co. stock, .... 
Mercantile Loan & Trust Co. stock, 
Chicago, Burlington & Quincy stock, 
Mexican Telegraph Co. stock, . 
Metropolitan Street R'y stock, Kansas City, 
Union Pacific R.R. notes, 
Ohio & Mississippi bonds, 
Minneapolis Gas Light Co. bonds, . 
New England Mtge. Security Co. bonds, 
Chicago & Eastern Illinois R.R. stock, . 
Louisville & Nashville R.R, stock, . 
Mercantile Loan and Trust Co. stock, 
Atchison, Topeka & Santa Fe R.R. bonds, 
Kansas Pacific R'y bonds, 
Oregon Short Line R'y bonds, . 
Sioux City & Pacific R'y bonds, 
Kansas City, Fort Scott & Gulf R'y bonds, 
Western Gas Company stock, . 
Western Gas Company bonds, . . • 



1,875 00 

51,000 00 

18,100 00 

14,560 00 

43,500 00 

6,900 00 

2,400 00 

13,687 50 

4,000 00 

16,300 00 

342 37 

1,610 00 

8,000 00 

52,612 50 

7,942 50 

4,500 00 

2,000 00 

11,200 00 

6,000 00 

5,053 00 

5,500 00 

102,750 00 

12,025 00 

2,22<) i 

7,275 00 

1,000 00 

90,000 00 

22,620 00 

38,500 00 

21,250 00 

2,260 00 

2,000 00 

850 00 

14,550 00 

4,437 50 

1,500 00 

1,860 00 

22,750 00 

9,000 00 

10,300 00 

12,870 00 

35,000 00 

74,375 00 



Loaned Thereon. 

o oo 

3,172 69 

1,600 00 

) 

[ 125,000 00 



} 15,000 00 

I 
i 

J 

3,200 00 

6,500 00 
40,000 00 

i 13,000 00 

10,150 00 

5,0' )0 00 

3,500 00 

4,500 00 

100,000 00 

} 

\ 19,000 00 

i 

J 



100,000 00 

30,000 00 
I 19,000 00 

I 2,000 00 

j> 16,000 00 

i 

) 

[ 40,000 00 

50,000 00 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



29 



Connecticut River R R. stock, . 

New York, New Haven & Hartford stock, 

Utah Southern bonds, 

St Joseph & Grant Island bonds, 

Northern Pacific & Montana bonds, 

Oregon Short line bonds, . 

Forth Worth & Denver City bonds, 

Oregon Short Line & Utah Northern bonds, 

City of Chicago bonds, 

City of Dayton, O., bonds, 

Cit} T of Meriden bonds, 

Fitchburg R.R. bonds, 

City of St. Louis bond, 

Chicago, Burlington & Quincy bonds, 

City of Dayton, O., bonds, 

Kansas City Stock Yards Co., . 

Boston Northwest Real Estate Co. stock, 

Atchison, Topeka & Santa Fe R.R. bonds, 

Rutland Railroad bond, .... 

Chic , Burlington & Northern bonds," 

Duluth & Iron Range bond, 

Evansville, Terre Haute & Chicago bond, 

Milwaukee, Lake Shore & Western bond, 

Westchester Water Works bond, 

Evansville, Terre Haute & Chicago bonds, 

Pullman's Palace Car Co. stock, 

Atchison, Topeka & Santa Fe bonds, 

N'l Bank of Commerce of New Bedford stock, 

Merchants' Nat'l Bank of New Bedford stock, 

Atlas National Bank stock, 

Manufacturers 1 Nat'l Bank stock, 

National Revere Bank stock, . 

Columbian Nat'l Bank stock, . 

National Bank of No. America stock, 

Natl Hide & Leather Bank stock, 

First National Bank stock, 

Boylston National Bank stock, . 

Continental National Bank stock, 

Market National Bank stock, . 

Kansas City, Fort Scott & Gulf Ry. stock 

Chic. June. Ry. & Union Stock Yards Co 

Old Colony Trust Co., 

Calumet & Hecla Mining Co., . 

Chic. June. Ry. & Un. Stock Y'ds Co. bonds 

Chic, Burlington & Northern bonds, 

Globe National Bank stock, 

Boston Wharf Co. stock, . 



Market Value. 

$220,000 00 
94,250 00 
9,000 00^ 
4,795 00 
1,500 00 
3,750 00 
3,350 00 
15,500 00 J 
30,000 00 
30,520 00 
10,000 00] 
4,000 00 I 
1,000 00 j> 
39,600 00 | 
2,180 00 J 
62,500 00 
43,250 00 
1,950 00 ^ 

980 00 
2,000 00 
960 00 
1,000 00 
1,067 50 I 
1,000 00 I 
3,000 00 J 
7,987 00 ^ 
5,580 00 
500 00 
700 00 
575 00 
1,000 00 
796 00 
500 00 
526 25 
1,052 50 
1,900 00 
7,984 00 
688 50 
200 00 J 
40,000 00 
37,800 00 
9,750 00 
15,000 00 ' 
11,000 00 
10,000 00 J 
32,400 00 
56,875 00 



Loaned Thereon. 

$200,000 00 
74,000 00 



} 20,000 00 



50,000 00 



50,000 00 



50,000 00 
25,000 00 



)> 10,000 00 



} 27,000 00 



75,000 00 



27,000 00 
50,000 00 



30 



NEW ENGLAND MUTUAL LTFE INSURANCE COMPANY. 



Chic, Burl. & Quincy stock, 

Oregon Ry. and Navigation Co. stock, 

Oregon Improvement Co. bonds, 

Policies of Life Insurance, 

State Street Exchange stock, 

Amoskeag Manuf. Co. stock, 

Cocheco Manuf. Co. stock, 

Mexican Telegraph Co. stock, 

"West End Street Ry. Co. stock, 

Atchison, Topeka & Santa Fe bonds, 

New York, Chicago & St. Louis stock, 

Flint & Pere .Marquette stock, . 

Pemberton Company stock, 

Old Colony R.R. Co. stock, 

Norwich & Worcester R R. stock, . 

Chicago & Western Indiana bonds, . 

Metrop. St. Ry. Co (Kansas City) stock, 

Grand Avenue Ry. Co. (Kansas City) stock, 

Illinois Steel Co. stock, .... 

Chic, St Paul, Minn. & Omaha stock, 

Oregon Ry. and Navigation Co. bonds, . 

Chicago & West Michigan stock, 

General Electric Co. stock, 

West End Land Co. stock, 

Central & So. American Telegraph Co. stock 

Portland General Electric Co. bonds, 

Galveston, Harrisburg & San Antonio bonds, 

Chicago & Eastern Illinois stock, 

Pullman's Palace Car Co. stock, 

Fourth National Bank stock, . 

Pullman's Palace Car Co. stock, 

N. Y., New Haven & Hart, stock, 

Merchants X'l B'k, Indianapolis, stock, 

Boston & Maine R.R. stock, 



Market Value. 
$30,000 00 >j 

23,850 00 

6,860 00 i 

15,350 00 J 

53,750 00 >| 

29,240 00 

12,780 00 . 

39,780 00 J 

109,200 00 

13,000 00 n 

1,400 00 i 

1,000 00 ) 

30,800 00 > 

10,725 75 \ 

42,090 00 

5,250 00 

30,800 00 ) 

8,550 00 I 



Loaned Thereon. 

'} $75,000 00 

i 

J 

! 

\ 100,000 00 

100,000 00 
12,000 00 

25,000 00 
40,000 00 



5,200 00 V 45,000 00 
7,000 0° I 



4,900 00 J 

4,500 00^ 

4,062 50 

1,012 50 

4,280 00 

2,700 00 

3,000 00 

9,700 00 

179,300 00 

58,375 00 

16,300 00 

1,885 00 

3,000 00 

70,000 00 



} 18,000 00 



8,389 32 

150,000 00 

45,000 00 

16,500 00 

2,000 00 
50,000 00 



1,444,482 87 $1,951,812 01 



72 shares Atlantic National Bank, 



Schedule B. 
Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

$7,101 00 $8,586 00 

7,500 00 13,000 00 

33,300 00 30,969 00 

10,000 00 11,475 00 

5,000 00 9,000 00 

5,200 00 4,940 00 

9,100 00 13,490 75 

10,700 00 20,865 00 



100 " Bay State Nat'l Bank, Lawrence, 

333 " Boston National Bank, . 

100 " Continental National Bank, . 

50 " First National Bank, Cambridge, 

52 " Massachusetts National Bank, 

91 " Merchants 1 National Bank, . 

107 " National City Bank, Lynn, . 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



31 



150 shares National Revere Bank, 

150 " National Hide and Leather Bank 

240 " National Eagle Bank, . 

320 " Tremont National Bank, 

200 " National Webster Bank, 

120 " State National Bank, . 

1,400 " Third National Bank, . 
500 " Globe National Bank, . 
400 " Nicollet Nat'l Bank, Minneapolis 
250 " Boston National Bank, Seattle, 
150 " Winthrop National Bank, . 
625 " Boston Safe Deposit and Trust Co 
200 " American Loan and Trust Co., 
400 " . N.E.SafeDep.andTrustCo.ofMo 
243 " N. E. Safe Deposit and Trust Co. 
250 " Mercantile Loan and Trust Co., 
70 " State St. Safe Dep. and Trust Co. 
100 " Mattapan Deposit and Trust Co. 

1,063 " Boston & Albany Railroad, . 
300 " Boston & Providence Railroad, 

1,378 " Chic, Burlington & Quincy R.R. 
800 " Conn. & Passumpsic Rivers R.R 
900 " Fitchburg Railroad, . 
225 " N. Y., N. Haven & Hartford R.R. 
850 " Norwich & Worcester R.R., . 
100 " Northern Railroad, 
300 " Chicago & Alton Railroad, . 
157 " Eastern Railroad, . 
200 " Portland, Saco & Portsmouth R R 
200 " Boston & Lowell Railroad, . 

1,120 " Metrop. St. Ry. Co., Kansas City 
500 " West End St. Ry. Co., preferred, 
5 " Dwight Mfg. Co., . 
5 " Massachusetts Cotton Mills, 
120 " Massachusetts Title Insurance Co 
4901 " Land Title Guar. Co., Kansas City 

1,000 " Boston Northwest, Real Est. Co. 
50 " Boston Ground Rent Trust, . 
250 " Bryant St. and Hunt. Ave. L'd Trust, 
125 " Denver Consolidated Gas Co., 

Chicago, Burlington & Quincy bonds, 

Eastern R.R. bonds, 

Phila., Wilmington & Baltimore R.R. bonds, 

New Haven & Derby R.R. bonds, . 

Chicago & Eastern Illinois R.R. bonds, . 

Fremont, Elkliorn & Missouri Valley R R. b'ds 

Maine Central R.R. bonds, 

Ottumwa, Cedar Falls & St. Paul R.R. bonds 



Cost Value. 

$15,000 00 
15,000 00 
24,000 00 
31,951 25 
20,000 00 
10,273 10 

140,000 00 
50,000 00 
40,000 00 
25,000 00 
15,000 00 
62,500 00 
20,000 00 
38,149 77 
24,300 00 
25,000 00 
7,000 00 
10,000 00 

106,300 00 
29.950 00 

137,732 77 
80,000 00 
82,225 75 
22,500 00 
84,925 25 
10,000 00 
30,000 00 
3,100 00 
20,000 00 
20,000 00 

109,500 00 

25,000 00 

5,000 00 

5,000 00 

12,000 00 

45,832 40 

77,500 00 

50,000 00 

16,250 00 

7,000 00 

137,000 00 

275,000 00 

193,871 67 
14,250 00 

187,050 00 
50,000 00 

124,853 75 
50,000 00 



Market Value. 

$14,925 00 
15,787 50 
22,800 00 
28,480 00 
17,975 00 
12,870 CO 

123,550 00 
45,000 00 
44,800 00 
22,500 00 
15,150 00 

120,000 00 
31,000 00 
44,000 00 
24,300 00 
25,000 00 
7,315 00 
10,000 00 

212,865 75 
75,600 00 

103,350 00 
99,200 00 
65,475 00 
42,412 50 

149,068 75 

13,600 00 

40,800 00 

11,775 00 

24,400 00 

36,800 00 

86,240 00 

39,000 00 

4,050 00 

4,950 00 

6,000 00 

24,525 00 

77,500 00 

52,500 00 

16,250 00 

7,187 50 

157,890 00 

323,125 00 

201,540.00 
16,950 00 

190,000 00 
61,125 00 

132,765 00 
54,250 00 



32 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



Dayton & Michigan R.R. bonds, 

Delaware & Chesapeake R.R. bonds, 

Pittsburgh, Cleveland & Toledo R.R. bond-, 

Chicago, Milwaukee & St. Paul R.R. bonds. 

Michigan Central R.R. bonds, 

Northern Illinois R.R. bonds, . 

Chicago & Northwestern R.R. bonds, 

Kans. City, Clinton & Springfield R.R. bonds 

Union Pacific R.R. bonds, 

Burlington & Missouri River, in Nebraska, b'ds 

St. Joseph & Grand Island R.R. bonds, . 

Corrigan Consolidated Street Ry. bond-, 

St. Louis Cable and Western R.R. bonds, 

Spokane & Palouse R.R. bonds, 

Chicago, Burlington & Northern R.R. bonds, 

Helena & Red Mountain R.R. bond-. 

Kansas City Cable Ry. bonds, . 

Dakota & Great Southern R.R. bonds. 

Des Moines & Fort Dodge R.R. bonds, . 

Housatonic R.R. bonds, .... 

Duluth & Iron Range R.R. bonds, . 

Chicago, Rock Island & Pacific R.R. bond-. 

Fitchburg R.R. bonds, .... 

Baltimore & Ohio R.R. bonds, . 

Somerset R.R. bonds, .... 

Grand Rapids, Lansing & Detroit R.R. bonds 

Grand Avenue R.R. bonds, 

Oregon Short Line R.R. bonds, 

Louisville, Evansville & St. Louis R.R. bonds 

Evansville, Terre Haute & Chic. R.R. bonds, 

Boston & Providence Railroad bonds, 

Boston & Maine Railroad bonds, 

Denver City Cable bonds, 

Metropolitan Street Railway bonds, 

Pennsylvania Railroad bonds, . 

Kansas Equipment Company bonds, 

Portland Union Railway Station Co. bonds, 

Atchison, Topeka & Santa Fe R.R. bonds, 

Omaha Street Railway bonds, . 

St. Louis & Suburban Railroad bonds, 

N. Y. Central & Hudson River R.R. bonds, 

Rio Grande Western Railroad bonds, 

Cincinnati, Dayton & Iron ton R.R. bonds, 

Cleveland, Cin., Chic. & St. Louis R.R. bonds 

Chicago & West Michigan Railroad bonds, 

Brookline & Pepperell Railroad bonds, 

Pittsburgh, Cin., Chic. & St. Louis R.R. bonds, 

Sturgis, Goshen & St. Louis R.R. bonds, . 



Cost Value. 

$50,000 00 

108,531 25 

50,000 00 

98,942 50 

198,500 00 

100,000 00 

50,000 00 

50,000 00 

100,000 00 

121,006 25 

50,000 00 

100,000 

50,000 00 

25,000 00 

100,000 00 

.000 00 

99,50<' 

100,000 00 

24,500 00 

100,000 00 

47,500 00 

100,000 00 

230,000 00 

50,000 00 

97,500 00 

29,250 00 

95,500 00 

50,000 00 

100,000 00 

10,000 

125,000 00 

175,000 00 

100,000 00 

192,000 00 

150,000 00 

25,000 00 

50,000 00 

473,083 62 

98,500 00 

20,000 00 

100,000 00 

23,700 00 

47,750 00 

91,000 00 

48,750 00 

49,000 00 

50,000 00 

36,250 00 



Market Value. 

93,500 00 
57,000 00 

106,250 00 

219,500 00 

105,000 00 
54,200 00 
37,500 00 

100,000 00 

114,935 00 
34,250 00 

100,000 00 
50,000 00 
13,000 00 

102,000 00 

25,000 00 

00 

105,000 
18,750 00 

105,000 00 
.000 00 

102,000 00 

239,700 
55,000 00 
95,000 00 
18,000 00 
95,500 00 
37,500 00 

102,750 00 
10,000 00 

127,500 00 

175,250 00 
70,000 00 

193,000 00 

153,000 00 
22,500 00 
50,000 00 

303,960 00 
98,500 00 
11,700 00 

106,750 00 
20,700 00 
46,500 00 
75,000 00 
40,500 00 
49,000 00 
50,250 00 
37,500 00 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



33 



Globe Street Railway bonds, . 

Union Pacific Railroad bonds, . 

Concord & Montreal Railroad bonds, 

New York, New Haven & Hart. R.R. bonds, 

St. Louis, Jacksonville & Chic. R.R. bonds, 

Old Colony Railroad bonds, 

Connecticut River Railroad bonds, 

City of Albany bonds, 

Boston city bonds, 

New Hampshire State bonds, 

Chelsea city bonds, . 

Massachusetts State bonds, 

Lawrence city bonds, 

Lynn city bonds, 

Cincinnati city bonds, 

Worcester city bonds, 

Brookline city bonds, 

Fitchburg city bonds, 

Springfield city bonds, 

Providence city bonds, 

Norwich city bonds, . 

Fall River city bonds, 

Holyoke city bonds, . 

Newton city bonds, . 

New York city bonds, 

New Bedford city bonds, . 

Salem city bonds, 

Taunton city bonds, . 

Lewiston city bonds, . 

Pawtucket city bonds, 

Kansas City bonds, . 

Lawrence, Kan., city bonds, 

Lincoln, Neb., city bonds, 

Indian ajoolis city bonds, . 

St. Paul city bonds, . 

Minneapolis city bonds, . 

Sheboygan city bonds, 

Helena city bonds, 

Columbus, O , city bonds, . 

Lowell city bonds, 

AYaltham city bonds, 

Manchester, Mass., city bonds, 

Milwaukee city bonds, 

Seattle city bonds, 

Omaha city bonds, . 

Marietta city bonds, . 

Woburn city bonds, . 

Cleveland city bonds, 



Cost Value. 

$100,000 00 

24,875 00 

299,250 00 

4,500 00 

75,000 00 

125,000 00 

60,000 00 

23,256 00 

928,806 12 

24,000 00 

206,504 17 

72,172 35 

166,210 83 

226,000 00 

85,000 00 

85,000 00 

361,380 00 

78,485 17 

126,000 00 

146,403 06 

94,000 00 

203,000 00 

5,000 00 

70,000 00 

100,000 00 

10,000 00 

10,000 00 

39,000 00 

100,000 00 

150,000 00 

163,808 25 

50,000 00 

49,583 33 

100,000 00 

165,000 00 

185,000 00 

100,000 00 

50,000 00 

28,000 00 

50,000 00 

110,000 00 

138,000 00 

71,000 00 

25,000 00 

135,000 00 

49,000 00 

7,000 00 

50,000 00 



Market Value. 

$100,000 00 

21,250 00 

300,000 00 

4,500 00 

76,500 00 

126,250 00 

60,000 00 

25,320 60 

1,002,639 64 

28,440 20 

212,000 00 

77,962 50 

173,615 00 

238,065 00 

100,512 50 

95.965 00 
367,996 76 

95,720 00 
156,240 00 
169,497 20 
112,992 40 
213,215 00 
5,550 00 

81,899 00 
105,320 00 

10,850 00 

10.966 00 
40,950 00 

110,640 00 

154,080 00 

162,065 00 

50,000 00 

50,000 00 

97,800 00 

166,523 50 

171,803 50 

98,700 00 

52,300 00 

28,823 20 

51,045 00 

110,696 60 

139,587 00 

72,831 10 

25,000 00 

136,747 30 

46,182 50 

7,028 00 

51,400 00 



34 



STATE MUTUAL LIFE ASSURANCE COM PAN V. 



Eden, Me., town bonds, .... 
Brockton city bonds, .... 

Chicago city bonds, 

United States bonds, 

Chamber of Commerce of Minneapolis bonds 
St. Paul Chamber of Commerce bonds, . 
Minneapolis Gas Light Company bonds, . 
Jarvis-Conklin Mortgage Trust Co. bonds, 
Brookline Gas Light Company bonds, 
Denver Consolidated Gas Company bonds, 
Troy Gas Company bonds, 
Worcester Electric Light Co. bonds, 
Chelsea Gas Light Company bonds, 
Algonquin Club bonds, .... 
City of Newton notes, .... 
Norwich & Worcester Railroad Co. notes, 
Fitchburg Railroad Company notes, 
Boston & Maine Railroad note 
West End Street Railway Company notes, 
Jamaica Plain Gas Light Company notes, 
Boston Northwest Real Estate Company notes, 
Bryant St. & Huntingt'n Ave. Land Trust notes, 



Cost Value. 

$92,000 00 
23,980 00 
99,7.00 00 

140,000 00 
97,500 00 
48,750 00 
50,000 00 
99,000 00 
50,000 00 
43,000 00 
25,000 00 
50,000 00 

100,000 00 
24,000 00 
25,000 00 

165,500 00 
50,000 00 
50,000 00 

100,000 00 

20,000 00 

20,000 00 

2,500 00 



.Market Value. 

$92,000 00 
24,043 20 

100,000 00 

157,500 00 

100,000 00 
50,000 00 
52,750 00 
51,000 00 
51,500 00 
50,000 00 
25,000 00 
50,000 00 

101,250 00 
24,000 00 
25,000 00 

165,500 00 
50,000 00 
50,000 00 

100,000 00 

20,000 00 

20,000 00 

2,500 00 



$13,864,954 61814,255,930 45 



STATE MUTUAL LIFE ASSURANCE COMPANY, WORCESTER. 

[Incorporated March, 1844. Commenced business June, 1545.] 

A. G. Bullock, President. Henry M. Witter, Secretary. 

Income. 



Cash received for premiums on new policies, 
Cash received for renewal premiums, 
Premium notes received for new policies, 
Premium notes received for renewals, 
Premiums paid by dividends, . 

Total, 

Deduct amount paid for re-insurance, 

Total premium income, 
Cash received for interest, 
Cash received for rents of company's property, 

Total income, 

Net or ledger assets Dec. 31, 1892, . 

Total, 



$269,367 77 

1,130,100 73 

47,838 00 

229,102 79 

262,512 24 

§1,938,921 53 
6,568 14 

§1,932,353 39 

384,646 96 

13,073 30 

§2,330,073 65 
7.735,548 50 

810,065,622 15 



STATE MUTUAL LIFE ASSUKANCE COMPANY. 



35 



Disbursements. 

Cash paid for losses and additions, 

Cash paid for matured endowments and additions, 

Gross amount paid for losses and endowments, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Dividends applied in payment of premiums, . 

Total paid polic3 T -holders, 

Cash paid for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for advertising, 

for incidentals, 

for profit and loss account, .... 

Total disbursements, 



Balance, $8,508,462 37 



$424,230 62 
155,609 00 

$579,839 62 
285,809 96 

37,017 53 
262,512 24 

$1,165,179 35 

222,572 71 

43,827 67 

15,198 50 

43,898 00 

31,665 55 

20,622 00 

8,782 31 

5,138 19 

275 50 

$1,557,159 78 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Deferred premium notes, 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Ledger assets (as per balance), 

Other Assets. 

Interest accrued, 

Rents accrued, 

Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deduct loading (20 per cent.), . 
Net amount of uncollected premiums, 

Total assets per company's books, 
Deduct loading on deferred premiums, 

Balance, ..... 



. $460,000 


00 


. 1,671,937 


07 


735,637 


00 


309,595 50 


239,923 


26 


. 4,945,890 02 


2,207 


28 


143,272 


24 


. $8,508,462 37 



$135,279 34 
27,055 87 



81,900 00 

3,800 00 

234,468 98 



108,223 47 



5,936,854 82 
47,984 65 

5,888,870 17 



36 STATE MUTUAL LIFE ASSURANCE COMPANY. 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . . $ 7,784,923 00 
Deduct net value of re-insured risks, 16,957 00 



Net re-insurance reserve, . 
Death losses and matured endowments in 

process of adjustment, .... 
Claims resisted by the company, 

Total policy claims, .... 

Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 



. $7,767,966 00 

$15,896 00 
52,000 00 
67,896 00 



. £7,835,862 00 
. 1,053,008 17 



Gross liabilities, $8,888,870 17 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1892. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 3,384 $8,959,067 00 
Endowment, . . . 12,244 35,719,064 00 
Reversionary additions, . - 404,820 00 

15,628 $45,082,951 00 

Policies issued during the Year. 

Whole life, 
Endowment, 

Endowment policies revived, . 



77 $332,700 00 






2,744 7,717,000 00 








2,821 
5 


8,049,700 00 
9,122 00 


ed, 


Old Policies increased. 






$4,170 00 






7,628 00 




11 708 00 





- 


103,771 00 



Whole life, 
Endowment, 

Additions by dividends, . 

Total, 18,454 $53,257,342 00 

Policies terminated during the Year. 

Whole life, ... 178 $600,263 00 

Endowment, . . . 1,445 4,433,441 00 
All other, .... - 31,479 00 



1,623 $5,065,183 00 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



37 



How terminated. 





Number. 


Amount. Total No. 


Total Amount. 


By death, . 


164 


$464,648 00 




maturity, 


46 


155,609 00 




expiry, 


14 


28,500 00 




surrender, . 


640 


1,911,798 00 




lapse, . 


436 


1,070,000 00 




change and decrease, 


28 


465,628 00 




Not taken, 


295 


969,000 00 








1,623 


$5,065,183 00 



Policies in force Dec. 5i, 1893. 

Whole life, . . . 3,279 §8,686,174 00 
Endowment, . . . 13,552 39,028,873 00 
Reversionary additions, . - 477,112 00 

16,831 



$48,192,159 00 



Schedule A. 

Securities held as Collateral. 



Essex Street Railway bonds, 
150 shares Illinois Central Railway, 
12 " Boston & Albany Railroad, 

30 " Fitchburg Railroad, 

20 " New York Central Railroad Co , 
35 " Mechanics' Natl Bank, Worcester, 
60 " Providence & Worcester Railroad, 

6 " Boston & Albany Railroad Co 
50 " Osceola Mining Co., 
50 " Pullman Palace Car Co , 

31 " Tamarack Mining Co., 
350 " Osceola Mining Co., 
100 " Worcester Traction Co., 
Richmond & Danville Railroad bonds, 
100 shares European & Northern Railroad Co 
200 " Whitman & Barnes Mfg. Co., 
298 " Gazette Co., .... 

10 " Worcester Electric Light Co., . 
100 " Mexican Central Railroad Co., 
100 " Hamilton Woolen Co., . 
Consolidated Railroad, Vt., bonds, . 
175 shares Worcester Traction Co., . 
100 shares Norwich & Worcester Railroad, 
Midland Railroad Co. bonds, . 

87 shares Worcester Traction Co , . 

50 " Westinghouse Electric Mfg. Co., 



Market Value. 

|60,000 00 

14,250 00 

2,400 00 

2,250 00 

2,000 00 

3,500 00 

15,000 00 

1,200 00 

1,450 00 

8,100 00 

4,960 00 

10,150 00 

1,200 00 

1,060 00 

11,500 00 

26,000 00 

14,900 00 

1,450 00 

600 00 

8,000 00 

1,350 00 

8,900 00 

17,500 00 

3,300 00 

4,444 00 

1,500 00 



Loaned Thereon. 

I $60,000 00 

I 800 00 

1,400 00 

3,200 00 

15,000 00 

1,000 00 

I 10,000 00 

I 10,000 00 

900 00 

6,500 00 

20,000 00 

1,000 00 

I 1,700 00 

5,000 00 
1,200 00 
6,500 00 

I 18,000 00 
I 5,000 00 



38 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



154 shares Worcester Traction Co., . 
Worcester & Shrewsbury Railroad Co. bonds, 
Connecticut River Railroad Co. bonds, 
315 shares Worcester Traction Co., . 

50 shares Fitchburg Railway Co., . 
C, B. & Q. R.R. Co. bonds, 
1,500 shares Walker, Oakley Co., 

47 " Washburn & Moen Mfg. Co, 

200 " Boston & Montana Railroad Co., 
Brooklyn City Railroad bonds, . 
42cl St., Manhat. and St. Nich. Ave. R.R. Co., 
240 shares Washburn & Moen Mfg. Co., 

20 shares Pullman Palace Car Co., 
City of Lawrence bonds, . 
Newark city bonds, .... 
New Haven & West Haven H. R.R. bond: 
City of Ashtabula, O., bonds, . 
City of Canton bonds, 
City of Findlay bonds, 
30 shares Knowles Loom Works, 
Worcester, Nashua & Rochester R.R. bonds, 
Worcester, Nashua & Rochester R.R. bonds, 
45 shares Norwich & Worcester R.R. Co., 
50 " Boston & Lowell Railroad, 
50 " Norwich & Worcester Railroad, 
50 " Old Colony Railroad, 
10 " Providence & Worcester Railroad, 
50 " Chicago National Bank, Illinois, 
25 " New London & Northern Railroad, 
Bloomfield, Illinois, bonds, 
30 shares Spy Publishing Co., . 
Township of Bloomfield, N. J., sewer bonds, 
400 shares Worcester Traction Co., . 
Worcester Consolidated St. Ry. Co. bonds, 
Congress Hotel Co. bond<. 
200 shares Washburn & Moen Mfg. Co., . 



Market Value 

$7,832 00 

13,390 00 

25,600 00 

16,020 00 

3,700 00 

1,840 00 

225,000 00 

6,110 00 

10 00 

36,300 00 

23,760 00 

31,200 00 

3,240 00 

5,200 00 

510 00 

16,480 00 

5,100 00 

5,100 00 

2,000 00 

6,000 00 

500 00 

51,000 00 

7,875 00 

9,000 00 

£,750 00 

8,500 00 

2,500 00 

13,500 00 

4,375 00 

10,300 00 

4,500 00 

5,665 00 

17,400 00 

118,750 00 

71,250 00 

00 00 



Loaned Thereon. 

$5,937 00 
12,000 00 
20,000 00 

i 16,500 00 

75,000 00 
£ 00 

25,000 00 

I 50,000 00 

1,800 00 

\ 25,000 00 

J 

5,000 00 

,000 00 

50,000 00 

5,000 00 



} 



20,000 00 

1,200 00 

00 

00 

10,000 00 

3,000 00 

5,000 00 

10,000 00 

100,000 00 

60,000 00 

20,000 00 



$1,051,811 00 $735,637 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



39 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

100 shares Chicago & Northwestern Railroad, . $14,012 50 f 13,500 00 

400 " Morris & Essex Railroad, . . 25,450 00 30,000 00 

300 " Chicago, Rock Island & Pacific R.R , 35,085 00 19,050 00 

110 " Chicago, Burlington & Quincy R.R., 13,256 25 8,250 00 

270 " Illinois Central Railroad, . . . 34,183 34 24,300 00 

300 " Chicago & Alton Railroad, . . 41,412 50 42,000 00 

500 " Norwich & Worcester Railroad, . 86,287 75 87,500 00 

532 " N. Y., N. Haven & Hartford R.R., . 87,720 00 101,080 00 

300 " New London & Northern R.R., . 42,952 00 52,500 00 

500 " Providence & Worcester R.R., . . 76,893 50 125,000 00 

625 " Boston & Albany Railroad, . . 97,851 50 125,000 00 

100 " Fitchburg Railroad, .... 8,752 50 7,500 00 

286 " Boston & Maine Railroad, . . 45,572 93 40,040 00 

45 " State Safe Deposit Co., . . . 4,500 00 4,500 00 

300 " West End St. Railroad Co., . . 26,100 00 23,400 00 

25 " Central Nat'l Bank, Worcester, . 2,500 00 3,625 00 

50 " First National Bank, Boston, . . 5,000 00 12,000 00 

40 " City National Bank, Worcester, . 4,000 00 5,800 00 

100 " Third National Bank, Springfield, . 10,000 00 20,000 00 

112 " Hide and Leather Nat'l B'k, Boston, 11,575 00 11,760 00 

67 " Shawmut National Bank, Boston, . 6,725 00 7,504 00 

150 " Atlantic National Bank, Boston, . 18,388 75 17,550 00 

40 " Eliot National Bank, Boston, . . 4,075 50 4,720 00 

100 " Quinsigamond N T, 1 B'k, Worcester, 10,090 00 12,700 00 

100 " Howard National Bank, Boston, . 9,931 50 10,000 00 

25 " Leicester National Bank, . . 2,650 00 3,750 00 

100 " Continental National Bank, Boston, 10,012 50 11,400 00 

75 " Republic National Bank, Boston, . 7,562 50 11,025 00 

50 " Webster National Bank, Boston, . 5,275 00 4,500 00 

115 " Redemption National Bank, Boston, 15,985 00 14,145 00 

100 " Tremont National Bank, Boston, . 13,300 00 8,800 00 

83 " Worcester National Bank, . . 11,619 50 12,035 00 

50 " Mill bury National Bank, . . . 5,000 00 4,750 00 

25 " Wachusett Nat'l Bank, Fitcnburg, . 2,500 00 5,000 00 

67 " Revere National Bank, Boston, . 6,756 25 6,700 00 

90 " Adams Nat'l Bank, North Adams, . 13,122 50 11,250 00 

United States bonds 166,000 00 169,500 00 

Fitchburg Railroad bonds, 76,125 00 73,600 00 

Boston, Clint., Fitch. & N.Bedford R.R. bonds, . 33,000 00 33,600 00 

New York, Lackawanna & Western R.R. bonds, . 73,271 25 80,000 00 

Chicago & Northwestern Railroad bonds, . . 99,427 50 105,810 00 

Michigan Central Railroad bonds, . . . 145,300 00 156,900 00 

New York Central & Hudson River R.R. bonds, . 32,325 00 32,100 00 

New York & New England Railroad bonds, . 10,662 50 10,100 00 



40 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



Chicago, Burlington & Quincy R.R. bonds, 

Chicago, Milwaukee & St Paul R.R. bonds, 

Evansville,Terre Haute & Chicago R.R. bonds 

Pittsburg, Cleveland & Toledo R.R. bonds, 

Chicago & Eastern Illinois Railroad bonds, 

Boston, Barre & Gardner Railroad bonds, 

Burlington & Missouri River Railroad bonds, 

Central Pacific Railroad bonds, 

Cleve., Col., Cincin. & Indianap. R.R. bonds, 

Baltimore & Ohio Railroad bonds, . 

St. Paul, Minn. & Manitoba R.R. bonds, . 

Lake Erie & Western Railroad bonds, 

Housatonic Railroad bonds, 

Long Island City & Flushing R.R. bonds, 

Atlantic Avenue Railroad bonds, 

Third Avenue Railroad bonds, . 

Chicago, Rock Island & Pacific R.R. bonds, 

Terre Haute & Indianapolis Railroad bonds, 

Chicago & Western Indiana Railroad bonds, 

Kings County Elevated Railroad bonds, . 

Milwaukee City Railroad bonds, 

Grand Avenue Railroad bonds, 

Chic, St. Paul, Minn. & Omaha R.R. bonds, 

F niton Elevated Railroad bonds, 

Street Railway, Grand Rapids, bonds, 

Maine Central Railroad bonds, 

Broadway Surface Railroad bonds, . 

Omaha Street Railway bonds, . 

Wabash Railroad bonds, .... 

West Side, Milwaukee, Railroad bonds, . 

Baltimore Belt Railroad bonds, 

Akron & Chicago Junction Railroad bonds, 

Saginaw Union Street Railway bonds, 

Consolidated St. Ry. bonds, Columbus, O., 

Rutland Railroad Company bonds, . 

Metropolitan St. R'y Co., Kan. City, bonds, 

Columbus Con. & Term. Railroad bonds, 

Chicago & Ind. Coal Railway Co. bonds, 

Great Northern Railway bonds, 

Cincinnati, Hamilton and Dayton R.R. bonds, 

St. Louis, Iron Mt. & Southern R.R. bonds, 

Toledo & Ohio Cent. Car Trust bonds, . 

Ulster & Delaware Railroad bonds, . 

Bait. & Ohio Equipment Association bonds, 

Ohio River Railroad bonds, 

Chicago and West Michigan Railroad bonds, 

Globe Street Railway Co. bonds, 

Ellwood Short Line Railroad bonds, 



Cost Value. 

$28,400 00 
29,750 00 
10,250 00 
21,200 00 
49,710 00 
21,590 00 
18,600 00 
30,000 00 
19,800 00 
50,000 00 
57,625 00 
96,500 00 
77,750 00 
50,000 00 
15,675 00 
106,250 00 
40,000 00 
25,000 00 
44,900 00 
25,000 00 
25,000 00 
24,125 00 
57,500 00 
25,000 00 
16,050 00 
26,855 00 
60,700 00 
39,300 00 
50,000 00 
50,000 00 
25,000 00 
50,000 00 
10,000 00 
50,000 00 
10,950 00 
29,250 Q0 
47,500 00 
25,000 00 
45,875 00 
50,000 00 
25,000 00 
30,000 00 
15,600 00 
25,000 00 
24,375 00 
24,312 50 
24,750 00 
22,500 00 



Market Value. 

$27,900 00 
31,250 00 
10,800 00 
22,000 00 
60,000 00 
22,305 00 
18,600 00 
31,800 00 
22,500 00 
56,000 00 
60,300 00 

107,000 00 
84,750 00 
55,000 00 
16,200 00 

115,000 00 
40,000 00 
27,500 00 
46,400 00 
22,500 CO 
27,500 00 
25,000 00 
60,000 00 
22,500 00 
16,500 00 
27,500 00 
61,000 00 
40,000 00 
51,000 00 
52,500 00 
26,250 00 
52,500 00 
10,500 00 
50,000 00 
10,900 00 
30,000 00 
50,000 00 
25,250 00 
47,000 00 
51,500 00 
25,000 00 
30,000 00 
15,300 00 
25,000 00 
26,250 00 
16,250 00 
26,760 00 
26,000 00 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



41 



Lehigh Valley Terminal Railway bonds, 

West End Street Railway Co , Boston, bonds, 

Minn., Lynd'le & Min'tonka R'y Co. bonds, 

Rio Grande and Western Railroad bonds, 

Boston & Maine Railroad bonds, 

Maine Cent. R.R. and Europ. & North. R.R. bds. 

Cleve., Cin., Chicago & St. Louis R.R. bonds, 

Portland city bonds, . 

Bangor city bonds, . 

Lawrence city bonds, 

Newton city bonds, . 

Lowell city bonds, . 

Providence city bonds, 

Boston city bonds, 

Clinton town bonds, . 

Beverly town bonds, . 

St. Paul city bonds, . 

Cincinnati city bonds, 

Minneapolis city bonds, . 

St. Louis city bonds, . 

Toledo cit}~ bonds, . 

Quincy water supply bonds, 

Omaha sewer bonds, 

Omaha park bonds, . 

Nashville city bonds, 

Birmingham, Ala., city bonds, 

Fostoria, O., city bonds, . 

Abstract Safety Vault Co., Chicago, bonds, 

Montclair, N. J., school bonds, 

Montclair, N. J., sewer bonds, . 

Columbus, O., city bonds, 

Duluth, Minn., city bonds, 

Worcester Gas Light Company bonds, 

County of Hennepin and Minneapolis bonds, 

Worcester Electric Light Company bonds, 

Kansas City School District bonds, . 

Congress Hall Company, Chicago, bonds, 

County of Franklin, O., bonds, 

Gardner Water Company loan, 

Worcester Gas Light Company loan, 

Washburn & Moen Manufacturing Co. loan 

Parish St. Marks Church loan, . 

Norwich & Worcester Railroad loan, 

Worcester, Nash. & Rochester Railroad loan, 

Town of Guildford, Vt., loan, . 



Cost Value. 

$52,500 00 
15,000 00 
24,625 CO 
19,500 00 
51,000 00 
90,000 00 
112,500 00 
19,000 00 
26,375 00 
53,000 00 
26,750 00 
52,000 00 
25,875 00 
50,125 00 
41,400 00 
51,375 00 
100,500 00 

9,640 00 
41,922 50 
21,450 00 
42,825 00 
20,000 00 
30,375 00 
26,250 00 
10,000 00 
26,750 00 
20,000 00 
52,000 00 

6,500 00 
52,125 00 
52,500 00 
22,875 00 
100,000 00 
51,500 00 
50,000 00 
23,800 00 
80,000 00 
10,000 00 
60,000 00 
15,000 00 
50,000 00 

2,000 00 
50,000 00 
25,000 00 

2,000 00 



Market Value. 

$53,000 00 
15,150 00 
25,000 00 
17,500 00 
53,000 00 
96,000 00 

113,750 00 
24,200 00 
27,000 00 
59,000 00 
29,500 00 
52,000 00 
25,750 00 
51,000 00 
40,800 00 
52,000 00 

101,500 00 
9,200 00 
42,640 00 
20,800 00 
45,000 00 
20,200 00 
31,500 00 
27,000 00 
10,000 00 
25,750 00 
20,400 00 
57,120 00 
6,500 00 
53,000 00 
53,000 00 
23,750 00 

106,000 00 
52,000 00 
53,000 00 
23,750 00 
80,000 00 
10,600 00 
60,000 00 
15,000 00 
50,000 00 
2,000 00 
50,000 00 
25,000 00 
2,000 00 



$4,945,890 02 $5,180,359 00 



LIFE INSURANCE COMPANIES 

OF OTHEK STATES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1893. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



"jETNA LIFE INSURANCE COMPANY," HARTFORD, CONN. 

[Incorporated 1820. Commenced business 1850.] 

Paid-up Capital $1,500,000. 

Morgan G. Bulkeley, President. J. L. English, Secretary. 

Income. 
Cash received for premiums on new policies, . 



Cash received for renewal premiums, 
Premium notes received for renewals, 
Premiums paid by surrendered policies, 



Total, 

Deduct amount paid for re-insurance, 

Total premium income, 
Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 



Total income, .... 
Net or ledger assets Dec. 31, 1892, . 



Total, 



$578,219 59 

3,870,133 68 

36,238 38 

211,802 75 

$4,696,394 40 
649 82 

$4,695,744 58 

1,978,581 64 

1,264 91 

15,090 40 

$6,690,681 53 
37,086,272 78 

$43,776,954 31 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies re-insured, . 

Net amount paid for losses and endowments, . 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Surrender values applied in payment of premiums, 
Cash dividends paid policy-holders, .... 

Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 



$1,832,085 99 

43,616 89 

873,519 64 

8,711 60 

$2,757,934 12 
3,586 00 

$2,754,348 12 
200,586 10 

16,592 30 
211,802 75 
668,924 69 

50,916 02 

$3,903,169 98 



46 



.ETNA LIFE INSURANCE CO. 



Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of agents, 
for medical examiner's fees, . 
for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for furniture and office fixtures, 

for advertising, 

for incidentals, 

for profit and loss, 

for premiums on investments, . 

Total disbursements, 



Balance, 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens) , 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, . 

Cash deposited in bank, . 

Agents' ledger balances, . 

Amount due from accident department, 

Ledger assets (as per balance), 



1187,500 00 

564,051 07 

26,819 03 

39,686 60 

98,245 33 

125,935 54 

23,104 86 

2,639 72 

11,161 74 

71,689 75 

1,684 76 

33,035 33 



85,088,723 71 
838,688,230 60 



8529,001 65 

20,776,211 14 

625,967 40 

550,268 62 

825,964 38 

11,755,736 82 

77,968 47 

3,451,042 24 

46,069 88 

50,000 00 

838,688,230 60 



Other Assets. 

Interest due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), . 

Net am't of uncollected and deferred prem's, 

Total assets per company's books, . 



8178,266 18 
259,407 50 

$437,673 68 
87,534 74 



542,478 08 
622,803 92 



350,138 94 



840,203,651 54 



Items not admitted. 



Agents' balances, 



Total admitted assets, 
Deduct special deposits in other States, 

Balance, 



46,069 88 



§40,157,581 66 
349,004 00 

$39,808,577 66 



.ETNA LIFE INSURANCE CO. 



47 



Liabilities. 

Computed premium reserve or uet present value of all out- 
standing policies (actuaries 1 4 per cent.), . 
Deduct net value of re-insured risks, .... 



$33,008,955 00 
46,911 00 



Xet re-insurance reserve, .... 
Matured endowments due and unpaid, . . $ 44,852 00 
Death losses and matured endowments in 

process of adjustment, 191,072 00 

Claims resisted by the company, . . . 27,500 00 

Total policy claims, 

Unpaid dividends of surplus due policy-holders, 
Contingent surrender values, . 
Premiums paid in advance, 
Bills jjayable, .... 

Liabilities as to policy-holders, 
Deduct liabilities on special deposits, 

Surplus as regards policy-holders, . . . $6,473,292 17 

Paid-up capital, 

Surplus over capital, 



$32,962,044 00 



563,424 00 
427,334 06 

15,988 00 
4,954 26 
7,146 87 



$33,680,891 19 
345,605 70 



$33,335,285 49 

1,500,000 00 
4,973,292 17 



Gross liabilities, 



$39,808,577 66 



Premium Note Account. 

Premium notes on hand Dec. 31, 1892, . . $913,626 70 

Premium notes received during 1893, . . 36,238 38 

Total, $949,865 08 

Used in payment of losses and claims, . . $52,328 49 

Used in payment of surrendered policies and 

voided by lapse, 16,592 30 

Used in payment of dividends to policy-hold- 
ers, 50,916 02 

Redeemed by maker in cash, .... 4,063 89 

Total, 123,900 70 

Balance note assets Dec. 31, 1893, $825,964 38 



Exhibit of Policies. 

Policies and Additions in Force Dec. 31, 1892. 





Number. 


Amount. Total No. Total Amount. 


Whole life, 


. 35,593 


$49,662,291 00 


Endowment, 


. 34,521 


56,793,677 00 


All other, . 


. 11,175 


26,322,498 00 

81,289 $132,778,466 00 



48 



^ETNA LIFE INSURANCE CO. 



Policies issued during the Year. 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 
All other, . 



Total, 



Whole life, 
Endowment, 
All other, . 



Number. 


Amount. Total No. 


Total Amount. 


1,347 


$2,376,002 00 




7,068 


13,270,206 00 




3,130 


7,235,505 00 






11,545 


822,881,713 00 



Old Policies revived and increased. 

4 $17,117 00 

17 65,194 00 

182 417,350 00 



203 



499,661 00 



93,037 $156,159,840 00 



Policies terminated during the Year. 

. 1,795 $3,258,094 00 
. 5,408 9,965,657 00 
. 3,089 7,485,366 00 





10,292 


$20,709,117 00 




How terminated. 


By death, . 


1,205 


$1,917,724 00 


maturity, 


872 


886,848 00 


expiry, 


759 


1,754,255 00 


surrender, . 


1,465 


2,197,401 00 


lapse, . 


. 3,328 


7,823,563 00 


change and decrease, 


183 


726,123 00 


Xot taken, 


2,480 


5,403,203 00 



10,292 20,709,117 00 



Whole life, 
Endowment, 
All other, . 



Policies in Force Dec. 31, 1893. 

. 35,149 $48,797,316 00 
. 36,198 60,163,420 00 
. 11,398 26,489,987 00 
82,745 $135,450,723 00 



Schedule A. 

Securities held as Collateral. 



25 shares Hartford Carpet Company, . 

13 " United States Bank, 
124 " JEtna Fire Insurance Company, 
780 " Willimantic Linen Company, 

12 " United States Bank, 
Hartford City Coal & Salt Company bonds, 



Market Value 

$2,000 00^ 

4,550 00 

31,000 00 

19,500 00 

4,200 00 

7,000 00 



Loaned Thereon. 



\ $60,700 00 



.ETNA LIFE INSURANCE CO. 



49 



400 shares Willimantic Linen Company, 
50 " Hartford Carpet Company, . 
65 " iEtna Fire Insurance Company, 
150 " United States Bank, 
654 " Kellogg & Bulkeley Company, 
104 " iEtna Fire Insurance Company, 
217 " iEtna Fire Insurance Company, 
30 " Hartford Carpet Company, . t 
50 " United States Bank, 
103 " iEtna Fire Iusurance Company, 
1,300 " Wheeler & Wilson Manuf. Co., 

281 " Willimantic Linen Company, 
Assignment of mortgage, 
233 shares Willimantic Linen Company, 
200 " South'n New Eng. Telephone Co. 
100 " Plimpton Manufacturing Co., 

25 " iEtna Fire Insurance Company, 
125 " Hartford Fire Insurance Co., 
52 " iEtna Fire Insurance Company, 
16 " iEtna Fire Insurance Company, 
10 " Phoenix Fire Insurance Company 
40 " Travelers' Insurance Company, 
300 " Willimantic Linen Company, 
25 " United States Bank, 
50 " Orient Fire Insurance Company, 
63 " iEtna Fire Insurance Company, 
2 " Connecticut River Railroad, 
10 " Russell & Erwin Manuf. Company 
2 " Collins Company, . 
120 " JEtna Fire Insurance Company, 
The Culbertson Irrigating Water Power bonds 
1,800 shares Willimantic Linen Company, 
12 " Hartford Electric Light Co., 
50 " Hart. Steam Boiler & Inspec'n Co. 
2,058 " Willimantic Linen Company, 
City of Pawtucket, R. I , bonds, 
Town of Thomaston, Conn., bonds, . 
City of New Brunswick, N. J., bonds, 
100 shares Boston Woven Hose & Rubber Co., 
Assignment of mortgage, 
100 shares Chic, Rock Island & Pacific R.R., 
100 " Chicago, Burl. & Quincy Railroad, 
30 " United States Bank, 
Assignment of mortgage, 
Macoupin County bonds, .... 
12 shares N. Y., New Haven & Hart. R.R. Co. 
Hartford Deposit Company (gold) bonds, 
Assignment of mortgage, 



Market Value. Loaned Thereon. 

$10,000 00 ' 

4,000 00 

16,250 00 , $105 363 31 
52,500 00 r 
16,350 00 
26,000 00 J 
54,250 00 ) 

2,400 00 S 
17,500 00 
25,750 00 
32,500 00 n 

7,025 00 > 

3,000 00 ) 

5,825 00 
16,000 00 
15,000 00 

6,250 00 
40,625 00 ) 
13,000 00 S 

4,000 00 n 

1,900 00 S 

8,000 00 ) 

7,500 00 n 

8,750 00 i 

2,500 00 ) 
15,750 00^ 



450 00 
500 00 
190 00 j 
30,000 00 
50,000 00 
45,000 00 > 
1,200 00 
5,000 00 > 
51,450 00 
25,000 00 > 
15,000 00 J 
10,000 00 > 
10,000 00 I 
9,000 00 ! 
6,500 00 I 
8,000 00 < 
10,500 00 
50,000 00 
5,000 00 
2,340 03 
2,000 00 
600 00 



41,400 00 

10,000 00 
16,500 00 

35,266 31 

8,000 00 

10,000 00 

5,000 00 

5,000 00 

24,500 00 



10,800 00 



20,600 00 



1,100 00 

10,700 00 
40,000 00 

44,237 78 

47,700 00 

45,000 00 

9,000 00 

11,800 00 

6,000 00 
50,000 00 
3,500 00 
1,700 00 
1,500 00 
600 00 



$818,605 00 $625,967 40 



50 



.ETNA LIFE INSURANCE CO. 



Schedule B. 
Stocks and Bonds owned by the 

235 shares Connecticut River Banking Co., . 

75 " Metropolitan Bank, New York, . 

918 " Phoenix National Bank, Hartford, 

400 " Mercantile National Bank, Hart., 

448 " City National Bank, Hartford, 

750 " Hartford National Bank, Hart., 

773 " First National Bank, Hartford, 

1,552 " National Exchange Bank, Hart., 

1,632 " American National Bank, Hart., 

377 " Farm's & Mech's XatU B'k, Hart. 

66 " Suffield National Bank, Suffield. 

250 " New Britain NM B'k, New Britain 

836 " Charter Oak Nafl Bank, Hart., 

703 " ^Etna National Bank, Hartford, 

240 " Hartford Trust Co., Hartford, 

92 " United States Bank, Hartford, 

200 " Rockville Nat'l Bank, Rockville, 

100 " Security Company, Hartford, 

150 " Home National Bank, Meriden, 

United States bonds, 

368 shares Connecticut River Railroad, 
84 " iEtna Fire Insurance, . 
2,273 " N. Y., N. II & Hartford Railroad 
Columbus & Indianapolis Railroad bonds, 
Union Pacific Railroad bonds, . 
Keokuk & Des Moines Railroad bonds, . 
121 shares Keokuk & Des Moines R.R. stock, 
Atlantic Dock bonds, .... 

Chicago, Milwaukee & St. Paul R.R. bonds, 
Vermont Valley Railroad bonds, 
410 shares Chicago, Burl. & Quincy R.R., 
220 " N. Y Cent & Hudson River R.R., 
200 " Union Pacific Railroad stock, . 
Terre Haute & Logansport Railroad bonds, 
Hartford & New Y"ork Transportation Co., 
250 shares Connecticut & Passumpsic R.R , 
Chicago, Burlington & Quincy Railroad bonds 
100 shares Chic, Milwaukee & St. Paul R.R., 
100 " Chicago & Rock Island Railroad, 
100 " Chicago & Northwestern R R., 
100 " Delaware & Hudson Canal Co., 
Hartford & New Haven Railroad debentures 
Middlesex Banking Company debentures, 
Terre Haute & Peoria bonds, . 
New York & New England Railroad, 



Company. 

Cost ValtiP. 

$20,365 00 
5,362 50 

124,285 50 
42,885 25 
60,900 75 

107,720 25 
95,460 66 
93,729 80 
95,022 87 
83,664 25 
8,375 00 
28,450 00 
97,572 25 
80,349 46 
25,065 00 
19,962 50 
20,000 00 
10,000 00 
18,375 00 

435,876 00 
39,372 25 
19,236 68 

366.091 00 
45,000 00 
3C,690 00 



25,000 00 

25,000 00 

150,750 00 

33,862 50 

27,000 00 

18,625 00 

100,000 00 

12,000 00 

25,250 00 

1,100 00 

10,250 00 

5,475 00 

9,000 00 

10,387 50 

331,288 75 

100 00 

25,375 00 

200,000 00 



Market Value. 

1 1 1,750 

375 00 

114,750 00 

36,00 ) 00 

46,144 00 

120,000 00 

81,105 <0 

100,880 00 

106,080 < 

41,470 00 

9,900 00 

40,000 00 

85,272 00 

94,905 00 

31,200 00 

32,200 00 

22,000 00 

15,000 00 

19,500 00 

467,400 00 

82,800 00 

21,000 00 

443,235 00 

51,000 00 

31,500 00 



22,033 20 17,510 00 



26,500 00 

28,750 00 

159,000 00 

32,800 00 

22,000 00 

4,000 00 

110,000 00 

12,000 00 

25,500 00 

1,100 00 

11,500 00 

6,500 00 

10,000 00 

13,000 00 

320,000 00 

100 00 

26,250 00 

219,250 00 



.ETNA LIFE INSURANCE CO. 



51 



Connecticut River Railroad bonds, 

City of Brantford bonds, . 

Province of Manitoba bonds, 

Virginia State bonds, 

Tennessee State bonds, 

Mobile city bonds, 

Hartford city bonds, . 

Louisville city bonds, 

Kansas City bonds, . 

New Britain city bonds, . 

Plattsmouth, Neb., city bonds, 

London, Ont., city bonds, . 

New Boston city bonds, . 

Jersey City bonds, 

Ottawa city bonds, . 

Indianapolis city bonds, . 

Quincy city bonds, . 

Milwaukee city water bonds, 

Cincinnati city bonds, 

St. Paul city bonds, . 

St Paul, Neb , city bonds, 

Webster city bonds, . 

Hull city bonds, 

Oxford city bonds, . 

Lincoln city bonds, . 

Emporia city bonds, . 

Hartland city bonds, . 

Wymore city bonds, . 

Audubon city bonds, . 

Ness City bonds, 

Russell city bonds, . 

Montreal Harbor city bonds, 

Lincoln city bonds, . 

Quebec city bonds, . 

Stratford city bonds, . 

Toronto city bonds, . 

Winfield city bonds, . 

Kendallville city bonds, . 

Wichita city bonds, . 

Quebec government bonds, 

Hartford City Salt Company bonds, 

Cimarron city bonds, 

David city bonds, 

Ellsworth city bonds, 

Superior city bonds, . 

Seneca city bonds, 

Tratt city bonds, 

Burrton city bonds, . 



Cost Value. 

$18,400 00 
97,500 00 

119,893 34 
23,357 94 
25,100 00 

140,500 00 

156,690 00 
89,750 00 
40,500 00 

130,689 00 

23,000 00 

75,000 00 

7,000 00 

62,900 00 

133,000 00 

427,570 00 
11,564 00 
56,500 00 

100,000 00 

52,350 00 

20,000 00 

13,000 00 

40,000 00 

9,800 00 

29,500 00 

20,500 00 

10,000 00 

5,000 00 

5,000 00 

11,875 00 

5,000 00 

60,000 00 

11,880 00 

40,000 00 

21,000 00 

498,317 00 
10,000 00 
13,000 00 
46,000 00 

207,500 00 
15,000 00 
10,000 00 
6,300 00 
37,260 00 
13,000 00 
9,500 00 
12,900 00 
12,880 00 



Market Value. 

$18,400 00 

102,000 00 

163,240 00 

18,354 00 

20,080 00 

140,500 00 

175,840 00 

120,000 00 

55,000 00 

149,500 00 

23,460 00 

76,500 00 

7,000 00 

77,000 00 

143,640 00 

462,000 00 

24,000 00 

64,900 00 

125,000 00 

64,800 00 

20,000 00 

13,650 00 

41,200 00 

10,000 00 

30,975 00 

20,500 00 

9,000 00 

5,000 00 

5,000 00 

12,500 00 

5,000 00 

64,800 00 

12,000 00 

41,500 00 

22,470 CO 

517,266 00 

10,000 00 

13,000 00 

51,000 00 

232,400 00 

15,000 00 

7,000 00 

7,350 00 

42,525 00 

13,000 00 

10,000 00 

15,000 00 

14,000 00 



52 



iETNA LIFE INSURANCE CO. 



Lyons city bonds, 
Canton city bonds, 
Norton city bonds, 
Kingman city bonds, . . 

South Hutchinson city bonds, 
Loup City city bonds, 
Conway Springs city bonds, 
Douglass city bonds, . 
Coolidge city bonds, . 
Johnson city bonds, . 
Englewood city bonds, 
Seward city bonds, . 
Governor's Foot Guard bonds, 
City of Alma bonds, . 
City of Orleans bonds, 
City of Hastings bonds, . 
Monroe county bonds, 
Ford county bonds, . 
Macoupin county bonds, . 
Mason & Tazewell county bonds, 
Gallatin county bonds, 
Hudson, N. J., count}' bonds, 
Ramsey county bonds, 
Edward county bonds, 
Moultrie county bonds, 
Ellsworth county bonds, . 
Lyon county bonds, . 
Pawnee couuty bonds, 
Harper county bonds, 
Stafford county bonds, 
Benton county bonds, 
Hunt drainage district bonds, 
Ulysses City bonds, . 
Reno county bonds, . 
Seward county bonds, 
Clay county bonds, . 
Paris town bonds, 
Hartford town bonds, 
Grant town bonds, 
Urbana town bonds, . 
Meade county bonds, 
Gray county bonds, . 
Nk-kerson city bonds, 
Lakin township bonds, 
Muncie city bonds, . 
Iron wood city bonds, 
Meade Center township bonds, 
Jackson town bonds, 



Cost Value. 

$32,200 00 

6,405 00 

16,400 00 

10,000 00 

3,500 00 

6,000 00 

13,000 00 

11,000 00 

10,000 00 

7,350 00 

4,200 00 

13,500 00 

10,000 00 

8,122 50 

8,500 00 

54,000 00 

40,000 00 

48,500 00 

78,800 00 

27,000 00 

10,400 00 

49,843 75 

20,000 00 

20,000 00 

36,000 00 

26,000 00 

35,000 00 

25,000 00 

11,500 00 

5,000 00 

6,000 00 

24,250 00 

9,500 00 

20,500 00 

47,000 00 

24,125 00 

10,000 00 

71,600 00 

25,000 00 

3,500 00 

23,000 00 

7,500 00 

10,0 00 

10,000 00 

20,000 00 

20,000 00 

15,000 00 

9,900 00 



Market Value. 

$35,000 00 

7,000 00 

17,000 00 

10 000 00 

3,500 00 

6,000 00 

13,000 00 

11,000 00 

6,000 00 

7,000 00 

4,000 00 

15,000 00 

10,500 00 

9,000 00 

8,500 00 

61,200 00 

42,000 00 

52,500 00 

82,740 00 

28,350 00 

6,500 00 

52,500 00 

21,200 00 

21,000 00 

36,360 00 

27,300 00 

15,750 00 

26,250 00 

12,075 00 

5,250 00 

6,180 00 

25,000 00 

7,000 00 

21,525 00 

49,350 00 

26,250 00 

10,000 00 

75,050 00 

26,250 00 

3,500 00 

24,150 00 

7,875 00 

10,500 00 

5,000 00 

21,000 00 

21,000 00 

15,000 00 

10,000 00 



.ETNA LIFE INSURANCE CO. 



53 



Coaticook town bonds, 
Lake Fork town bonds, 
Montrose county bonds, . 
Huntington county bonds, 
Las Animas county bonds, 
Goodland city bonds, 
Pawnee city bonds, . 
Greenfield city bonds, 
Dalles city bonds, 
Anthony city bonds, . 
Harper city bonds, . 
Beatrice city bonds, . 
Goldendale city bonds, 
Tipton city bonds, 
Keithsburg town bonds, 
Ross town bonds, 
Levis town bonds, 
Highland town bonds. 
Newman & Fullerton town bonds, 
Rock Creek town bonds, 
Sprague town bonds, 
Province of Quebec town bond 
Dodge town bonds, . 
Mt. Forest town bonds, 
Pleasant town bonds, 
Hager Slough town bonds, 
Creek town bonds, . 
North Baltimore town bonds, 
Reeder town bonds, . 
Jefferson town bonds, 
Great Bend town bonds, 
Tuscola town bonds, . 
Butler town bonds, . 
Cold water town bonds, 
Laniard town bonds, . 
Wild Cat town bonds, 
Fond du Lac town bonds, 
Neodesha town bonds, 
Baxter Springs town bond: 
Monroe Township bonds, 
Morton Township bonds, 
Henderson town bonds, 
Lockbridge town bonds, 
Stranger town bonds, 
Washington town bonds, 
Rolling Prairie town bonds, 
Cicero town bonds, . 
Hayes town bonds, . 



Cost Value. 

$21,000 00 

4,347 36 

6,000 00 

3,750 00 

29,300 00 

9,000 00 

4,000 00 

1,783 80 

50,000 00 

19,000 00 

19,000 00 

10,000 00 

12,500 00 

8,015 00 

21,000 00 

18,240 00 

29,000 00 

10,000 00 

4,000 00 

28,710 00 

40,133 33 

153,187 50 

3,000 00 

20,000 00 

35,000 00 

6,000 00 

8,000 00 

2,000 00 

15,840 00 

6,000 00 

6,000 00 

10,000 00 

7,000 00 

10,000 00 

4,000 00 

500 00 

30,000 00 

12,000 00 

20,500 00 

38,610 00 

8,550 00 

4,750 00 

7,600 00 

9,600 00 

45,700 00 

18,000 00 

2,000 00 

17,575 00 



Market Value. 

$21,000 00 

4,347 36 

6,300 00 

3,937 50 

30,765 00 

9,000 00 

4,000 00 

1,783 80 

55,000 00 

21,000 00 

21,000 00 

10,500 00 

13,125 00 

8,055 75 

22,050 00 

19,152 00 

29,000 00 

10,0 )0 00 

4,000 00 

29,000 00 

42,000 00 

168,300 00 

3,000 00 

20,600 00 

17,500 00 

6,000 00 

8,000 00 

2,000 00 

16,000 00 

6,000 00 

6,000 00 

10,300 00 

7,000 00 

10,000 00 

4,120 00 

500 00 

31,500 00 

12,000 00 

20,500 00 

40,950 00 

9,000 00 

5,000 00 

8,000 00 

10,000 00 

50,000 00 

18,900 00 

2,000 00 

19,000 00 



54 



JETNA LIFE INSURANCE CO. 



McFadden town bonds, 
Leroy town bonds, . 
Tonganoxie town bonds, . 
Eagle Township town bonds, 
Valley Center Township bonds, 
Richland Township bonds, 
Little River Township bonds, 
Victoria Township bonds, 
Liberty Township bonds, . 
Burrton Township bonds, 
Green Garden Township bonds, 
Phillipsburg Township bonds, 
Plum Township bonds, 
Center Township bonds, . 
Jefferson Township bonds, 
Lake Township bonds, 
Richland Township bonds, 
Lincoln Township bonds, . 
Elk Creek Township bonds, 
Limestone Township bonds, 
Ezbon Township bonds, . 
Grovel and Township bonds, 
Banner Township bonds, . 
Harrison Township bonds, 
Valparaiso Township bonds, 
Haynesville Township bonds, 
Turkey Creek Township bonds, 
May Township bonds, 
Pleasant Valley Township bonds, 
Antelope Township bonds, 
Little Blue Township bonds, 
Alma Township bonds, 
Township G bonds, . 
Franklin Township bonds, 
Township M bonds, . 
Township L bonds, . 
Township B bonds, . 
Brown Township bonds, . 
New York Township bonds, 
Baker Township bonds, . 
Henderson Township bonds, 
Thayer Township bonds, . 
Stewart Township bonds, . 
Union Township bonds, . 
Bone Creek Township bonds, 
Read Township bonds, 
Olive Township bonds, 
Oak Creek Township bonds, 



Cost Value. 

19,500 00 

7,600 00 

19,200 00 

13,800 00 

9,200 00 

12,010 00 

21,160 00 

20,240 00 

7,600 00 

23,920 00 

13,800 00 

9,150 00 

12,900 00 

41,860 00 

7,600 00 

17,480 00 

12,352 50 

13,800 00 

7,600 00 

13,725 00 

8,600 00 

13,760 00 

24,685 00 

18,000 00 

5,500 00 

17,100 00 

2,707 50 

4,061 25 

3,900 00 

4,512 50 

2,707 50 

5,866 25 

9,000 00 

6,300 00 

9,000 00 

4,500 00 

9,000 00 

5,400 00 

9,000 00 

9,000 00 

4,500 00 

4,500 00 

9,000 00 

5,400 00 

9,000 00 

9,000 00 

5,400 00 

5,400 10 



Market Value. 

f 10,000 00 

8,000 00 

20,000 00 

15,000 00 

10,000 00 

14,000 00 

23,000 00 

22,000 00 

8,000 00 

26,000 00 

15,000 00 

10,000 00 

15,000 00 

45,000 00 

8,000 00 

19,000 00 

13,500 00 

15,000 00 

8,000 00 

15,000 00 

10/00 00 

16,000 00 

27,500 00 

20,000 00 

5,500 00 

19,000 00 

3,000 00 

4,500 00 

3,900 00 

5,000 00 

3,000 00 

6,500 00 

10,100 00 

7,000 00 

10,100 00 

5,050 00 

10,100 00 

6,000 00 

10,000 00 

10,000 00 

5,000 00 

5,000 00 

10,000 00 

6,000 00 

10,000 00 

10,000 00 

6,000 00 

6,000 00 



iETNA LIFE INSURANCE CO. 



55 



Stromburg Village town bonds, 

Village of Ord town bonds, 

Bowen Precinct bonds, 

Victor Precinct bonds, 

Fairmount Precinct bonds, 

Lincoln Precinct bonds, . 

Center Precinct bonds, 

Twin Grove Precinct bonds, 

Madison Precinct bonds, . 

Harvard Precinct bonds, . 

Nova Precinct bonds, 

Geneva Precinct bonds, 

Exeter Precinct bonds, 

Ains worth Precinct bonds, 

Coolido-e Bridge bonds, . 

School District, Kansas, bonds, 

Spring Creek Precinct school bonds 

Cedar Rapids school bonds, 

Ida Grove school bonds, . 

Glad Brook school bonds, 

South Bend school bonds, 

Batavia school bonds, 

Siclell school bonds, . 

Portland school bonds, 

Odebolt school bonds, 

Van Horn school bonds, 

Clearfield school bonds, 

School District Nos. 4 and 77 school bond 

School District No. 10 school bonds, 

Panora school bonds, 

Saline County school bonds, 

School District No. 42 school bonds, 

Lebanon school bonds, 

Inlet Swamp drainage bonds, 

City of Victoria bonds, 

City of Ossawatomie bonds, 

Hamilton county bonds, . 

City of Downs bonds, 

Beaver Precinct bonds, 

Lincoln Township bonds, . 

Jefferson Precinct bonds, . 

City of Santa Fe bonds, . 

Fargo Township bonds, . 

Stanton county bonds, 

Haskell county bonds, 

Lane county bonds, . 

Vancouver city bonds, 

St. Hyacinthe city bonds, . 



Cost Value. 

$12,000 00 

4,000 00 

10,000 00 

15,000 00 

27,075 00 

6,300 00 

6,300 00 

9,000 00 

4,500 00 

22,500 00 

3,840 00 

13,500 00 

18,000 00 

8,000 00 

8,400 00 

57,400 00 

5,760 00 

114,000 00 

15,500 00 

1,500 00 

1,000 00 

10,000 00 

2,700 00 

1,000 00 

3,250 00 

1,000 00 

1,200 00 

4,000 00 

2,000 00 

1,000 00 

859 65 

4,000 00 

20,000 00 

7,200 00 

80,000 00 

20,000 00 

40,000 00 

29,100 00 

14,000 00 

6,720 00 

4,800 00 

4,500 00 

15,000 00 

11,700 00 

10,000 00 

33,000 00 

225,000 00 

30,000 00 



Market Value. 

$12,000 00 

4,000 00 

10,000 00 

15,000 00 

30,000 00 

7,000 00 

7,000 00 

10,000 00 

5,000 00 

25,500 00 

4,000 00 

15,300 00 

20,400 00 

8,000 00 

8,000 00 

57,400 00 

6,000 00 

119,700 00 

16,275 00 

1,575 00 

1,000 00 

10,000 00 

5,700 00 

1,000 00 

3,250 00 

1,000 00 

1,200 00 

4,000 00 

2,000 00 

1,000 00 

859 65 

4,000 00 

21,000 00 

7,200 00 

85,600 00 

20,000 00 

24,000 00 

31,500 00 

14,000 00 

7,000 00 

5,000 00 

3,375 00 

15,750 00 

12,600 00 

10,500 00 

34,650 00 

245,250 00 

30,000 00 



56 



iETNA LIFE INSURANCE CO. 



Enterprise city bonds, 

Three Rivers city bonds, . 

Sault Ste. Marie city bonds, 

Springfield, Kansas, city bonds 

Lincoln Precinct bonds, . 

Anthony Township bonds, 

Spring Township bonds, . 

Grant Township bonds, . 

Sheridan Township bonds, 

Ford Township bonds, 

Owego Township bonds, . 

Valley Township bonds, . 

Newman Township drainage bonds, 

Young American Township drainage bonds, 

Beaver Lake Township drainage bonds, 

Iroquois County drainage bonds, 

Indian Grave drainage bonds, 

Nelson Precinct bonds, 

Nichols Precinct bonds, . 

North St. Paul Village bonds, 

Atkinson Village bonds, . 

Valentine Village bonds, . 

Parkdate Town bonds, 

City of St. Thomas bonds, 

West Toronto Junction bonds, 

Town of Windsor, Ontario, bonds, . 

City of Kingston, Ontario, bonds, . 

City of Belleville, Ontario, bonds, . 

Superior city bonds, .... 

Young America Township drainage bon 

New Pankey Pond drainage bonds, . 

Brockton bonds, .... 

Cote Sainte Antoine bonds, 

Town of Gault bonds, 

Province of New Brunswick bonds, 

City of St. John (N. B.) bonds, 

City of Hamilton (Prov. of Ont.) bonds, 

City of Halifax bonds, 

City of Sherbrooke (Prov. of Quebec) bonds, 

Roman Catholic School, Montreal, bonds, 

Protestant School, Montreal, bonds, 

Dickens county bonds, 

Wichita county bonds, 

Lewis county bonds, . 

Snohomish county bonds, . 

Tarrant county bonds, 

Orange county bonds, 

Duval county bonds, . 



Cost Value. 

$10,000 00 

32,500 00 

20,000 00 

16,000 00 

4,800 00 

2,850 00 

12,350 00 

12,255 00 

1,610 00 

14,700 00 

2,000 00 

2,375 00 

10,000 00 

46,500 00 

7,000 00 

11,000 00 

34,369 39 

22,000 00 

7,000 00 

22,000 00 

7,000 00 

8,400 00 

74,817 74 

121,336 29 

94,043 09 

103,947 03 

52,463 99 

50,000 00 

25,000 00 

11,600 00 

3,500 00 

9,000 00 

98,250 00 

49,125 00 

66,000 00 

49,375 00 

44,284 10 

100,000 00 

72,750 00 

85,000 00 

200,687 60 

25,000 00 

4,000 00 

25,750 00 

25,000 00 

9,210 00 

4,750 00 

4,600 00 



Market Value. 

$10,000 00 

35,100 00 

21,200 00 

12,000 00 

00 

3,000 00 

13,000 00 

12,900 00 

1,610 00 

15,750 00 

2,000 00 

2,500 00 

10,000 00 

47,430 00 

7,000 00 

11,000 00 

37,000 41 

22,000 00 

7,000 00 

23,100 00 

7,000 00 

8,400 00 

74,847 74 

122,549 65 

100,582 01 

109,144 38 

54,037 90 

52,500 00 

26,250 00 

11,832 00 

3,500 00 

9,000 00 

102,000 00 

51,000 00 

67,320 00 

51,000 00 

45.672 59 

102,000 00 

76,500 00 

86,700 00 

207,060 00 

26,250 00 

4.200 00 

26,250 00 

26,250 00 

9,180 00 

4,845 00 

4,692 00 



CONNECTICUT GENERAL LIFE INSURANCE CO. 



57 



Coke county bonds, . 

Roanoke city bonds, . 

Peoria city school scrip, . 

Shellsburg school scrip, . 

Prince Edward Island bonds, 

City of New Britain bonds, 

City of Concord bonds, 

Town of Glastonbury bonds, 

Wapello county bonds, 

Warren county bonds, 

Cass county bonds, . 

Grant county bonds, . 

Clark county bonds, . 

Jackson county bonds, 

Jefferson county bonds, 

St. Paul city bonds, . 

Birmingham city bonds, 

Stuart cit} r bonds, 

Bio; Lake drainage bonds, 

Mason & Menard drainage bonds, 

Protestant Hospital for Insane bonds, 

Ainsworth Precinct bonds, 



Cost Value. 

$6,500 00 

10,500 00 

75,000 00 

3,700 00 

97,250 00 

50,000 00 

40,000 00 

8,000 00 

29,400 00 

42,600 00 

8,000 00 

32,500 00 

7,000 00 

20,000 00 

12,000 00 

100,000 00 

25,000 00 

3,500 CO 

33,000 00 

10,000 00 

74,000 00 

10,550 00 



Market Value. 

$6,630 00 
10,500 00 
76,500 00 

3,700 00 

102,000 00 

50,000 00 

40,000 00 

8,000 00 
30,000 00 
44,730 00 

8,400 00 
34,125 00 

7,210 00 

21,000 00 

12,240 00 

105,000 00 

26,250 00 

3,500 00 
33,660 00 
10,200 00 
75,480 00 
10,000 00 



$11,755,736 82 $12,378,540 74 



"CONNECTICUT GENERAL LIFE INSURANCE COMPANY," 

HARTFORD, CONN. 

[Incorporated June, 1865. Commenced business October, 1865.] 

Paid up Capital, $150,000. 

Thomas W. Russell, President. Frederick V. Hudson, Secretary. 

Income. 

Cash received for premiums on new policies, 
Cash received for renewal premiums, 
Premium notes received for renewals, 
Premiums paid by dividends, . 
Premiums paid by surrendered policies, . 



Total, 

Deduct amount paid for re-insurance, 

Total premium income, 
Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 



Total income, 
Net or ledger assets Dec. 31, 1892, 

Total 



$54,322 22 

274,573 68 

5,039 27 

7,600 94 

9,032 37 



$350,568 48 
4,780 23 

$345,788 25 

112,127 87 

15 78 

, 3,268 23 

$461,200 13 
2,227,184 47 

$2,688,384 60 



58 



CONNECTICUT GENERAL LIFE INSURANCE CO. 



Disbursements. 



Cash paid for losses, 

Cash paid for matured endowments, 

Gross amount paid for losses and endowments, 
Cash paid for surrendered policies, .... 
Premium notes or loans voided by lapse, 
Surrender values applied in payment of premiums, 
Cash dividends paid policy-holders, 
Dividends applied in payment of premiums, . 
Premium notes or loans used in payment of dividends, 

Total paid policy-holders, 

Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of agents, 
for medical examiners 1 ' fees, . 
for salaries of officers and office employees, 

for taxes and fees, 

for rent and incidentals, .... 
for profit and loss account, 



Total disbursements, 



Balance, 



890,500 00 
33,214 88 

|123,714 88 

14,882 49 

188 35 

5,605 77 

14,224 14 

7,600 94 

759 11 

$166,975 68 
12,000 00 
32,392 00 
24,735 04 

4,287 35 
17,870 70 

5,655 90 
11,140 31 

1,675 20 

S276,732 18 
$2,411,652 42 



Invested in the following: : — 



Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Bills receivable, 

Agents 1 ledger balances, 



Ledger assets (as per balance), 
Deduct depreciation from cost of real estate, . 

Total net or ledger assets, 



8212,077 07 

1,622,646 51 

11,900 00 

53,199 13 

51,316 64 

411,068 78 

21,826 86 

26,007 07 

805 00 

805 36 

62,411,652 42 
52,910 78 

$2,358,741 64 



CONNECTICUT GENERAL LIFE INSURANCE CO. 



59 



Other Assets. 

Interest due and accrued, . 

Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total 

Deduct loading (20 per cent.), 

Net am't of uncollected and deferred prem's, 

Total assets per company's books, . 



$12,632 08 
55,464 15 

$68,096 23 
13,619 25 



,660 49 
24,691 22 



54,476 98 
. $2,498,570 33 



Items not admitted. 



Agents 1 balances, 
Bills receivable, 
Total, . 



Total admitted assets, 



5 36 

305 00 



1,610 36 



. $2,496,959 97 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), .... 
Deduct net value of re-insured risks, 



Net re-insurance reserve, . 
Matured endowments unpaid, . 
Death losses in process of adjustment, 

Total policy claims, . 
Unpaid dividends of surplus due policy- 
Premiums paid in advance, 

Liabilities as to policy-holders,. 
Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, 



holders, 



Gross liabilities, 



$13,262 95 
12,650 00 



$536,984 38 



$1,961,047 00 
28,975 00 

$1,932,072 00 



25,912 95 

669 85 

1,320 79 

$1,959,975 59 

150,000 00 
386,984 38 

$2,496,959 97 



Premium Note Account. 

Premium notes on hand Dec. 31, 1892, . . $52,029 54 
Premium notes received during 1893, . . 5,039 27 

Total 

Used in payment of surrendered policies and 

voided by lapse, $188 35 

Used in payment of dividends to policy-holders, 759 11 

Redeemed by maker in cash, .... 4,804 71 

Total, 

Balance note assets Dec. 31, 1893, . 



$57,068 81 



5,752 17 



$51,316 64 






60 



CONNECTICUT GENERAL LIFE INSURANCE CO. 



Whole life, 
Endowment, 
All other, . 



Exhibit of Policies. 
Policies in Force Dec. 31, 1892. 

Number. Amount. Total No. Total Amount. 

. 4,062 $5,671,047 00 

. 3,761 4,344,491 00 

34 117,819 00 
7,857 $ 10,133,357 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Tear. 
609 $996,679 00 
626 757,137 00 

5 17,000 00 



1,240 1,771,116 CO 



Whole life, 
Endowment, 



Old Policies revived. 

5 $5,000 00 



12 



15,000 00 



17 



20,000 00 



Whole life, 
Endowment, 



Old Policies changed and increased. 

15 $18,250 00 

5 5,250 00 



20 



23,500 00 



Total, 9,134 $11,947,973 00 



Whole life, 
Endowment, 
All other, . 



Policies terminated during the Year. 

460 $643,483 00 

532 604,726 00 

7 28,000 00 





999 $1,276,209 00 




How terminated. 


By death, . 


72 $97,035 00 


maturity, 


108 149,192 00 


expiry, . 


3 11,000 00 


surrender, 


109 135,147 00 


lapse, . 


440 510,400 00 


change and decrease, . 20 79,235 00 


Not taken, . 


247 294,200 00 




Policies in Force Dec. 31, 1S93. 


Whole life, 


. 4,231 $6,047,493 00 


Endowment, 


. 3,872 4,517,452 00 


All other, . 


32 106,819 00 



999 1,276,209 00 



8,135 $10,671,764 00 



CONNECTICUT GENERAL LIFE INSURANCE CO. 



61 



Schedule A. 

Securities held as Collateral. 

Market Value. 

12 shares Hartford Carpet Co., . . . f 720 00 

12 shares Hartford Carpet Co , . . . 720 00 

Mortgage loan, 500 00 

Arizona Improvement Co. bonds, . . . 16,050 00 



Loaned Thereon. 

$900 00 

600 00 

400 00 

10,000 00 



$17,990 00 $11,900 00 



Schedule B. 

Stocks and Bonds owned by the 

187 shares New York, New Haven & H. R R , 

100 " N. W. Telegraph Company, . 
40 " Fourth National Bank, New York, 

216 " American National Bank, Hartford, 

104 " Phoenix National Bank, Hartford, . 
52 " Charter Oak Nafl Bank, Hartford, 
70 " Hartford National Bank, Hartford, 

100 " First National Bank, Hartford, 
20 " JEtna National Bank, Hartford, 
12 " Farm, and Mech. N'l B'k, Hartford 
24 " City National Bank, Hartford, 
50 " Thames National Bank, Norwich, 
86 " Conn. Trust and Safe Deposit Co. 
50 " Security Company, 

Evansville, Ind , city bonds, 

Indianapolis, Ind., city bonds, 

Cleburne, Tex., city bonds, 

Oak Cliff, Tex., city bonds, 

San Antonio, Tex., city bonds, 

Weatherford, Tex., city bonds, 

Fort Worth, Tex., city bonds, 

Gainesville, Tex., city bonds, 

Greenville, Tex., city bonds, 

Superior, Wis., bonds, 

Fremont, Neb., bonds, 

Norwich, Kan., bonds, 

Huron, So. Dakota, bonds, 

Mecklenburg Co. (N. C ) bonds, 

Clallam Co. (Wash.) bonds, 

Pekin and La Marsh, Peoria Co., bonds, 

Lyon County, la., bonds, . 

Cowley County, Kan., bonds, 

Pawnee County, Kan., bonds, 

Mason and Tazewell, 111., bonds, 

Wildcat, Champaign County, 111., bonds, 



Company. 

Cost Value. 

$22,993 03 

5,200 00 

4,193 00 

13,538 00 

15,853 00 

6,700 00 

10,625 00 

13,978 25 

2,373 50 

2,250 67 

2,790 00 

6,850 00 

8,428 00 

4,750 00 

16,353 95 

24,500 00 

7,070 00 

5,200 00 

11,050 00 

10,200 00 

4,950 00 

5,150 00 

5,175 00 

9,800 00 

5,075 00 

2,625 00 

1,500 00 

6,330 00 

5,000 00 

5,075 00 

5,000 00 

10,250 00 

5,000 00 

15,696 50 

15,375 00 



Market Value. 

$36,465 00 

5,200 00 

8,000 00 

14,040 00 

12,480 00 

5,200 00 

10,780 00 

10,500 00 

2,600 00 

1,272 00 

2,400 00 

7,250 00 

13,760 00 

8,000 00 

15,300 00 

26,000 00 

7,140 00 

5,350 00 

10,800 00 

10,400 00 

4,700 00 

5,400 00 

5,350 00 

10,000 00 

5,100 00 

2,950 00 

1,500 00 

6,480 00 

5,250 00 

5,050 00 

2,500 00 

10,600 00 

5,300 00 

15,350 00 

15,450 00 



62 



THE CONNECTICUT MUTUAL LIFE INSURAN'CE CO. 



Big Slough, Champaign County, 111., bonds, 
Lima Lake, Adams County, 111., bonds, . 
Indian Grave, Adams County, 111., bonds, 
Clay County, Minn., bonds, 
Clay School Township, Ind., bonds, 
Oxford School Township, Kan., bonds, . 
Todd County, Minn., school district bonds, 
Denver Water Company bonds, 
Southwestern Irrigation Company bonds, 
Arizona Canal Company bonds, 
Arizona Improvement Company bonds, . 
Garden City Irrigation Co. bonds, . 
Lake Shore & Michigan Southern R.R. bonds, 
Tcrre Haute & Logansport R R. bonds, . 
Valley Railroad, Ohio, bonds, . 
N. Y., New Haven & Hart. R.R. certificates, 



Coat Value. 
$10,150 00 

13,000 00 
5,044 00 

11,375 00 
4,000 00 
5,000 00 
1,600 00 

10,000 00 
5,000 00 

10,000 00 
4,750 00 
5,000 00 
5,089 38 

10,000 00 

10,462 50 
3,700 00 



Market Value. 
$10,600 00 

13,650 00 
56 00 

12,000 00 
4,000 00 
5,300 00 
1,648 00 

10,000 
5,000 00 

10,800 00 
5,350 00 
5,000 00 
6,215 00 

10,600 00 

10,700 00 
5,624 00 



$411,068 78 $435,760 00 



"THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY," 

HARTFORD, CONN. 

[Incorporated June 15, 1846. Commenced business Dec. 15, 1846.] 

Jacob L. Greene, President. Edward M. Buxce, Secretary. 

Income. 



Cash received for premiums on new policies. . 
Cash received for renewal premiums, 
Premiums paid by dividends, including additions. . 
Premiums paid by surrendered policies, . 



Total, 

Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 
for profits on bonds or stocks sold, . 

Total income, 

Net or ledger assets Dec. 31, 1892, .... 



Total, 



$322,759 97 

.9 70 

1,109,255 67 

228.554 74 

84,623,200 08 
',377 31 
1,830 06 
29: 

$7,776,133 54 

59,037,395 74: 



$66,813,529 28 



Disbursements 

Cash paid for losses and addi ions, .... 
Premium notes or loans used in payment of same, 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, 

Gross amount paid for losses and endowments, 



. £3,642,080 


01 


27,599 


55 


300,166 


31 


612 


69 


. 13,970,458 


56 



THE CONNECTICUT MUTUAL LIFE INSURANCE CO. 



63 



Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Surrender values, including reconverted additions applied 

in payment of premiums, ...... 

Cash dividends paid policy-holders, .... 

Dividends applied in payment of premiums, . 
Premium notes or loans used in payment of dividends, 



Total paid policy-holders, 

Cash paid for salaries and commissions to agents, . 
for travelling expenses, .... 
for medical examiners 1 fees, . 
for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for advertising, 

for printing, postage, etc., 
for expenses on real estate, 



Total disbursements, . 



Balance, 



$?47,232 64 

21,567 70 

228,554 74 

105,619 99 

1,109,255 67 

41,326 03 



1,824,015 33 

351,402 13 

26,099 37 

23,659 96 

137,948 21 

293,156 27 

8,023 83 

39,786 80 

55,466 66 

127,771 13 



$6,887,329 69 



159,926,199 59 



Invested in the following : — 



Assets as ter Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Bills receivable, 

Agents' ledger balances, 

Ledger assets (as per balance), 



87,105,311 33 

37,669,494 86 

12,849 50 

1,351,625 21 

12,804,588 80 

3,813 39 

973,999 00 

990 67 

3,526 83 



$59,926,199 59 



Other Assets. 
Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds, over cost, 
Deferred premiums on policies in force, . 
Deduct loading (20 per cent.), . 
Net am't of uncollected and deferred prera's, 



$242,862 11 
48,572 42 



1,010,541 36 

8,271 27 

224,102 70 



194,289 69 



Total assets per company's books, 



^61,363,404 61 



64 THE CONNECTICUT MUTUAL LIFE INSURANCE CO. 



Items not admitted. 

Agents 1 balances, $3,526 83 

Bills receivable, 990 67 

Total, $4,517 50 



Total admitted assets, $61,358,887 11 

Deduct special deposit in Canada, 100,000 00 



Balance ?6 1,258 ,887 11 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . $52,810,506 00 
Death losses unpaid, $166,694 50 



Matured endowments due and unpaid, 
Death losses in process of adjustment, 
Claims resisted by the company, 
Total policy claims, . 



Unpaid dividends of surplus due policy-holders, . . . 438,371 02 



Reserve on lapsed policies, 
Premiums paid in advance, etc., 

Liabilities as to policy-holders, . 
Deduct liabilities on special deposit, 



12,978 00 

118,459 00 

•46,000 00 



344,131 50 



274,814 00 
40.906 22 



$53,908,728 74 
100,000 00 



$53,808,728 74 
Surplus as regards policy-holders, 7,450,158 37 



Gross liabilities, $61,258,887 11 



Premium Note Account. 

Premium notes on hand Dec. 31, 1S92, . . §1,454,376 04 

Premium notes received during 1893, . . 432 00 

Total, 01,454,808 04 

Used in payment of losses and claims, . . §28,212 24 

Used in payment of surrendered policies and 

voided by lapse 21,999 70 

Used in payment of dividends to policy-hold- 
ers, 41,326 03 

Redeemed by maker in cash, .... 11,644 86 

Total, 103,182 83 



Balance note assets Dec 31, 1893, £1,351,625 21 



THE CONNECTICUT MUTUAL LIFE INSURANCE CO. 



65 



Whole life, 
Endowment, 



Whole life, 
Endowment, 



Whole life, 
Endowment, 



Whole life, 
Endowment, 

Total, 

Whole life, 
Endowment, 



Exhibit of Policies. 

Policies and Additions in Force Dec. 31, 1892. 

Number. Amount. Total No. Total Amount. 

. 60,152 $146,087,678 00 
. 5,405 11,649,624 00 



65,557 $157,737,302 00 



Policies issued during the Year. 

. 3,447 f8,997,517 00 
611 1,512,489 00 



4,058 10,510,006 00 



Old Policies revived. 

30 $74,650 00 

1 10,000 00 



31 



84,650 00 



Old Policies changed and increased. 

$45,531 00 

2 9,298 00 



54,829 00 



69,648 $168,386,787 00 

Policies terminated during the Year. 

. 3,468 $10,201,642 00 
479 1,190,647 00 







3,947 


$11,392,289 00 






How terminated. 


By death, . 


, 


1,484 


$3,749,793 00 


maturity, . 


. 


180 


302,434 00 


surrender, . 


. . 


589 


1,379,577 00 


lapse, . 


. 


1,402 


3,834,375 00 


change and deer* 


ease, . 


' 2 


1,236,110 00 


Not taken, 


• i 

Poh 


290 


890,000 00 




'cies in Force Dec. 51, 18, 


Whole life, 


. , 


60,161 


$145,003,734 00 


Endowment, 


. . 


5,540 


11,990,764 00 



3,947 11,392,289 00 



65,701 $156,994,498 00 



Schedule A. 

Securities held as Collateral. 

Market Value. 

17 shares New York, New Haven & H. R.R., $3,230 00 

100 shares iEtna Insurance Company, . . 24,000 00 

Missouri Farm Mortgage bond, ... 1 ,600 00 



Loaned Thereon. 

$2,300 00 

10,000 00 

549 50 



$28,830 00 $12,849 50 



66 



THE CONNECTICUT MUTUAL LIFE INSURANCE CO. 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

United States currency, $99,125 00 $ 110,000 00 

State of Tennessee (settlement), . . . 19,200 00 14,400 00 

City of Jackson, Mich., water bonds, . . 63,000 00 70,000 00 

City of Louisville, Ky., bonds, . . . 125,339 06 131,810 00 

City of Mobile, Ala., bonds 87,500 00 74,375 00 

City of Milwaukee, Wis., bonds, . . . 64,000 00 74,080 00 

City of Milwaukee, Wis., water bonds, . . 180,500 00 219,450 00 

City of Quincy, 111., bonds, .... 190,86112 188,10000 

City of Galveston, Texas, bonds, . . . 100,000 00 97,000 00 

City of Austin, Texas, bonds, .... 39,000 00 40,000 00 

City of Denver, Col., bonds, .... 301,500 00 318,000 00 

City of Montreal, Canada, bonds, . . . 100,031 25 100,000 00 

City of Logansport, Ind., bonds, . . . 72,720 00 72,000 00 

City of Muncie, Ind., bonds, .... 15,468 75 15,000 00 

City of Omaha sewer bonds, .... 102,250 00 97,750 00 

City of Omaha paving bonds, .... 58,575 00 56,237 50 

City of San Antonio, Texas, bonds. . . 31,800 00 33,000 00 

City of Duluth, Minn., bonds, .... 133,125 00 131,875 00 

City of St. Paul, Minn., water bonds, . . 132,370 00 124,000 00 

City of Pueblo, Col., water bonds, . . . 79,312 50 80,250 00 

City of Seattle, Washington, water bonds, . 206,000 00 200,000 00 

County of Leavenworth, Kan., bonds, . . 99,580 00 100,000 00 

County of Allen, Ind., bonds, .... 7,245 00 7,000 00 

County of Hancock, Ohio, court house bonds, 76,797 50 75,000 00 

County of Wyandotte, Kan., bonds, . . 86,437 50 75,000 00 

Province of Quebec currency, .... 15,468 75 15,000 00 

Atlantic Dock Company, 81,000 00 82,620 00 

Long Dock Company, 391,607 50 397,720 00 

Baltimore & Ohio R.R., Parkersburg Branch, 269,375 00 280,000 00 

Chic, Burl. & Quincy R.R., Missouri River, . • 124,233 05 125,400 00 

Chic, St. Louis & New Orleans Railroad, . 776,562 50 840,000 00 

Chicago & Western Indiana R.R. bonds, . 1,138,984 42 1,136,800 00 

Chicago, Milwaukee & St. Paul R.R. terminal, 320,712 08 335,490 00 

Central Union Depot and Ry. Co., Cincinnati, 250,000 00 250,000 00 

Dayton & Michigan Railroad, .... 210,575 00 220,375 00 

Detroit, Lansing & Northern Railroad, . . 121,752 50 97,000 00 

Harlem River & Port Chester R.R., . . . 600,000 00 600,000 00 

Lehigh Valley Railroad, 1,071,485 17 1,093,900 00 

Michigan Central Railroad, .... 102,125 00 102,166 66 

Mich. Cent. R R , Detroit & Bay City Branch, 424,068 75 450,333 33 

N. Y., Lake Erie & Western R.R., Erie consols, 198,574 42 203,308 34 

Northern Pacific Railroad bonds, . . . 507,500 00 537,500 00 

St. Louis Cable & Western Railroad, . . 107,325 00 102,960 00 

St. Paul & Northern Pacific Railroad, . . 374,002 50 366,605 00 

St. Joseph Terminal Railroad, .... 350,000 00 350,000 00 



THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 67 

Cost Value. Market Value. 

Vermont Valley Railroad, .... $301,500 00 $317,250 00 

Wabash Railroad consols 153,739 23 143,702 50 

Philadelphia & Reading Railroad, . . . 1,025,000 00 1,012,916 67 

Terminal Railway Association of St. Louis, . 336,250 00 339,500 00 

Manhattan Railway Co., consol. mortgage, . 693,750 00 696,562 50 

N. Y., N. Hav. & Hart. R.R. debenture certs., . 6,300 00 6,300 00 

130 shares First National Bank, Hartford, . 13,000 00 13,000 00 

25 " ^Etna National Bank, Hartford, . 2,500 00 3,000 00 

294 " Phoenix National bank, Hartford, 40,710 25 34,104 00 

10 " Charter Oak Natl Bank, Hart., . 1,055 00 1,000 00 

80 " City Bank, Hartford, . . . 8,000 00 8,000 00 

40 " State Bank, Hartford, . . . 4,195 00 4,000 00 

300 " Conn. Trust &SafeDep. Co., Hart., 30,000 00 48,000 00 

315 " N. Y., New Haven & Hart. R.R., 31,500 00 59,850 00 

2,000 " Conn. & Pass. Rivers R.R., . . 200,000 00 200,000 00 

500 " Massawippi Valley R.R., . . 50,000 00 50,000 00 

$12,804,588 80 $13,028,691 50 



» THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE UNITED 
STATES," NEW YORK, N. Y. 

[Incorporated July 26, 1859. Commenced business July 28, 1859.] 
Paid-up Capital, $100,000. 
Henry B. Hyde, President. William Alexander, Secretary. 



Income. 

Cash received for premiums on new policies, . 
Cash received for renewal premiums, 
Premiums paid by dividends, including additions, 
Premiums paid by surrendered policies, . 
Cash received for annuities, .... 



Total, 

Cash received for interest, .... 
Cash received for rents of company's property, 

Total income, 

Net or ledger assets Dec. 31, 1892, . 



Total, 



$4,697,774 98 

28,064,597 38 

873,645 64 

1,655,298 00 

246,053 59 



$35,537,369 59 
. 5,098,004 52 
. 1,387,231 44 



$42,022,605 55 
146,571,349 35 



1188,593,954 90 



Disbursements. 

Cash paid for losses and additions, .... 
Cash paid for matured endowments and additions, 

Gross amount paid for losses and endowments, 



$ 10,201,276 40 
. 560,126 40 



$10,761,402 80 



68 THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE I . B. 



Cash paid to annuitants, 

Surrender values applied in payment of premiums, 
Cash dividends paid policy-holders, 
Dividends applied in payment of premiums, 
Cash paid for matured tontine values, 

Total paid policy-holders, . 
Cash paid for dividends to stockholders, . 

for commissions to agents, 

for salaries and travelling expenses of agents 

for medical examiner's fees, . 

for salaries of officers and office employees, 

for taxes and fees, . 

for rent, ..... 

for commuting commissions, . 

for advertising, 

for incidentals, 
Contingent guarantee account, 

Total disbursements, .... 



Balance, 



$380,089 37 

1,655,298 00 

1,244,569 11 

873,645 64 
2,735,31 

$17,650,315 43 
7,000 00 

3,261,085 85 
238,142 12 
328,251 47 
529,193 20 
381,409 82 
310,224 26 

1,047,612 59 
164,480 28 

1,437,783 78 
621,437 31 



$25,976,936 11 



$162,617,018 79 



Invested in the following : — 

Assets as per Ledger Accounts. 

Book value of real estate, 

Loans on mortgage of real estate (first liens), 

Loans on collateral security (schedule A), 

Book value of stocks and bonds owned (schedule B), . 

Cash in company's office, 

in bank and in transmission (since received), 

in bank in foreign countries, 

Loans secured by pledge of commissions on renewal premi- 
ums, . • 

Agents 1 ledger balances, 

Commuted commissions, etc., ...... 



$38,325,582 17 

22,808,916 74 

6,934,463 33 

77,698,607 59 

16,420 64 

11,261,377 66 

2,299,698 21 

1,517,750 00 

1,327,259 09 

426,943 36 



Ledger assets -(as per balance), 

Other Assets. 

Interest due and accrued, 

Rents due and accrued, 

Market value of stocks and bonds, over book, 

Uncollected premiums on policies in force, . $2,306,381 00 

Deferred premiums on policies in force, . . 2,717,547 00 



$162,617,018 79 



2-4,438 22 
186,307 48 
944,704 41 



Total,. 
Deduct loading (20 per cent ), 



85,023,928 00 
1,004,785 60 



Net amount of uncollected and deferred premiums, 
Total assets per company's books, . 



. 4,019,142 40 
1168,051,611 30 



THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 69 



Items not admitted. 
Loans secured by pledge of commissions on 



renewal premiums, 
Commuted commissions, etc., 
Agents' balances, 

Total,. . ... 

Total admitted assets, 
Deduct special deposits in other States, 



Balance, 



$1,517,750 00 
426,943 36 
1,327,259 09 
$3,271,952 45 



$164,779,658 85 
. 10,126,319 00 



$154,653,339 85 



Liabilities. 



Computed premium reserve or net present value of all out- 
standing policies (actuaries , 4 per cent.), . . . $134,815,945 00 

Death losses due and unpaid, .... $191,131 00 

Matured endowments due and unpaid, . . 26,589 20 

Death losses and matured endowments in proc- 
ess of adjustment, 1,404,591 00 

Claims resisted by the company, . . . 100,000 00 

Due and unpaid on annuity claims, . . . 6,186 37 

Total policy claims, 1,728,497 57 

Unpaid dividends of surplus due policy-holders, ' . . . 97,532 00 

Liabilities as to policy-holders, .... $136,641,974 57 
Deduct liabilities on special deposits, 10,104,444 00 



$126,537,530 57 
J 

100,000 00 
Surplus over capital, 28,015,809 28 



Surplus as regards policy-holders, . . $28,115,809 28 

Paid-up capital, '. . 100,000 00 



Gross liabilities, $154,653,339 85 

Exhibit of Policies. 

Policies and Additions in Force Dec. 31, 1892. 





Number. 


Amount. Total No. 


Total Amount. 


Whole life, 


. 213,363 


$716,378,867 




Endowment, 


. 35,995 


124,382,782 




All other, . 


. 2,641 


3,942,528 




Reversionary additions, 


- 


6,258,068 








251,999 


$850,962,245 



Policies issued during the Year. 

Whole life, . . . 45,329 $154,279,3&2 
Endowment, . . . 9,804 30,889,074 

All other, .... 769 3,051,688 

55,902 188,220,094 



70 THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 



Whole life, 
Endowment, 
All other, . 

Additions by dividends, 



Old Policies revic> d. 

Number. Amount. Total No. 

3,224 $13,283,735 
555 2,136,571 
22 125,900 
3,801 



Total Amount. 



$15,546,206 
1,513,927 



Total 311,702 $1,056,242,472 



Whole life, 
Endowment, 
All other, . 



Policies terminated during the Year. 



27,538 

5,117 

612 



$101,905,191 

18,338,474 

3,466,230 



33,267 $123,709,895 



How terminated. 



By death, . 
maturity, 
expiry, . 
surrender, 
lapse, . 

Not taken, . 



2,815 
246 
298 

7,764 
16,793 

5,351 



$10,829,629 

598,536 

1,185,389 

32,314,929 

52,896,162 

25,885,250 



33,267 



123,709,895 



Policies in Force Dec. 31, 1893. 

Whole life, . . .234,378 $782,036,743 

Endowment, . . . 41,237 139,069,953 

All other, .... 2,820 5,003,396 

Reversionary additions, . - 6,422,485 



278,435 $932,532,577 



Schedule A. 
Securities held as Collateral. 



Louisville & Nashville Railroad stock, . 

Chicago, Milwaukee & St. Paul R.R. stock, 

Detroit & Bay City, . 

Missouri, Kansas & Texas, 

Erie stock, 

Southern & Northern Alabama, 

St. Paul & Northern Pacific, 

Illinois Central, 

Nashville, Chatta. & St. Louis, 

United New Jersey R.R. & Canal Co. stock, 

Chicago & Alton R.R. stock, 



Market Value. Amount Loaned. 

$150,500 00 
56,875 00 
62,500 00 
51,680 00 
71,940 00 
54,000 00 y $500,000 00 
26,450 00 
79,200 00 
40,400 00 
11,100 00 
2,970 00 J 



THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 71 



St. Louis & Iron Mr., 

Missouri, Kansas & Texas, 

Chesapeake & Ohio, . 

Missouri Pacific, 

New York, Chicago & St. Louis, 

American Exchange Bank stock, 

Merchants 1 Bank stock, 

Bank of Commerce stock, 

Park Bank stock, 

Bank of New York stock, 

Rensselaer & Saratoga Railroad, 

Pittsburgh, Ft. Wayne & Chicago Railroad, 

Chesapeake & Ohio, . 

Canada Southern, 

Chicago & East Illinois, . 

Chicago, Rock Island & Pacific, 

Equitable Gas and Fuel Company, 

Lehigh Valley Terminal, . 

Lehigh & Hudson River, . 

Philadelphia & Reading, . 

Pittsburgh & Western, 

Tennessee Coal & Iron, . 

Wabash, .... 

Western Union Telegraph, 

Wells, Fargo & Co. Express stock, 

Chicago, Milwaukee & St. Paul Railroad 

Tennessee Coal & Iron preferred stock, 

Toledo & Ohio Central stock, . 

United States Express Company, 

Western Union Telegraph Company, 

Mercantile Trust stock, 

Northwest Equipment Company, 

Utah Northern, 

Southern Pacific of California, . 

Galveston, Harrisburg & San Antonio, 

Austin & Northwestern, . 

Mexican International, 

Wells, Fargo & Co. Express stock, . 

Southern Pacific of New Mexico, 

Galveston, Harrisburg & San Antonio, 

Southern Pacific of Arizona, 

Southern Pacific of California, 

Mexican International, 

Wells, Fargo & Co. Express stock, . 

Galveston, Harrisburg & San Antonio, 

Southern Pacific of New Mexico, 

Southern Pacific of Arizona, 

Houston & Texas, Waco & Northwest Division, 

Wells, Fargo & Co. Express stock, . 



y 300,000 00 



Market Value. Amount Loaned. 

$47,050 00 

23,400 00 

42,250 00 j. $100,000 00 
5,150 00 | 

10,697 00 J 

63,945 00^ 

57,638 00 

70,000 00 

94,600 00 [■ 500,000 00 

90,000 00 ' 
116,900 00 
121,380 00 

18,525 00 ^ 

10,250 00 

24,687 00 
9,987 00 

10,000 00 

26,375 00 

10,000 00 
6,800 00 

17,350 00 

16,500 00 

20,400 00 

10,650 00 

61,500 00 

17,062 00 

12,200 00 

23,000 00 

42,500 00 

16,525 00 J 

17,500 00 

50,000 00 ) 

20,000 00 S 

44,750 00 ) 

45,000 00 I 

40,000 00 [ 

17,500 00 | 

36,900 00 J 

48,000 00^ 

72,000 00 

47,500 00 

44,750 00 

35,000 00 

98,400 00 J 

45,000 00^1 

48,000 00 I 

33,250 00 [ 200,000 00 

20,800 00 | 
147,600 00 J 



5,000 00 
50,000 00 

125,000 00 



}> 250,000 00 



72 THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 



Western National Bank, .... 

Trust receipts, Georgia Central securities, 

Third Avenue Railroad stock, 

Northern Pacific Railroad, 

Chicago & Northern Pacific, 

Rome, Watertown & Ogdensburg Railroad, 

Chicago, Burlington & Quincy, 

New York, Ontario & Western, 

Illinois Central, .... 

Pittsburgh, C, C. & St. Louis, . 

Metropolitan Elevated, 

Louisville & Nashville, . 

Chicago, Milwaukee & St. Paul, 

Central R.R. & Banking Co. of Georgia, 

Evansville & Terre Haute Railroad, 

Louisville, Evansville & St. Louis, 

Ohio Valley, . 

American Surety Company, 

Union Elevated Railroad, . 

Laclede Gas, 

Chicago, Milwaukee & St. Paul 

Ohio Southern, . 

New York Central, . 

Chesapeake & Ohio, . 

St. Louis & San Francisco, 

Canada Southern, 

Louisville & Nashville, 

Manhattan Elevated Railroad, 

Illinois Central Railroad, . 

Chicago, Burlington & Quincy Railroad, 

Chicago, Milwaukee & St. Paul Railroad, 

Pittsburgh & Western Railroad, 

United States Express Co., 

Atlantic & Pacific, 

Colorado Midland, . 

St. Louis, Kansas City & S. W. 

Atchison, .... 

St. Louis & San Francisco, 

Grand River Coal & Coke Co., 

Colorado Midland, . 

Pittsburgh & Western, 

Laclede Gas, 

Lehigh Valley, . 

Chicago, Burlington & Quincy, 

Cleveland, Cincinnati, Chicago & St. Louis, 

Chicago, Milwaukee & St. Paul, 

Chicago, St. Louis & New Orleans, 

Duluth & Manitoba, . 

Cincinnati, Indianapolis, St. Louis & Chicago, 



Market Value. 

$9,810 00 
1,100,000 00 
175,000 00 
72,407 00 
8,600 00 
121,000 001 
307,545 00 
196,725 00 
148,500 00 
263,610 00 
101,362 00 
45,140 00 
78,200 00 J 
200,000 00 
55,980 00 
16,730 00 
3,320 00 
35,000 00 
14,880 00 >| 
15,295 00 
8,200 00 
980 00 
5,375 00 
845 00 
2,000 00 > 
6,480 00 
1,100 00 
3,094 00 
44,875 00 
7,512 00 
11,600 00 J 
41,000 00 ? 
37,500 00 S 
45,000 00 1 
27,500 00 | 
56,000 00 )> 
97,450 00 
54,000 00 1 
60,000 00 
2,750 00 
19,360 001 
32,200 00 
19,400 00 
12,900 00 
8,850 00 \ 
10,000 00 
9,600 00 
9,500 00 
9,250 00 J 



Amount Loaned. 

$8,500 00 
550,000 00 
100,000 00 

65,000 00 



} 1,000,000 00 

100,000 00 

105,963 33 

25,000 00 



100,000 00 



50,000 00 



250,000 00 



50,000 00 



100,000 00 






THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 73 



Long Island & North Shore, . 
Metropolitan Elevated Railroad, 
Manhattan Elevated Railroad stock, 

Missouri Pacific, 

Wheeling & Lake Erie Railroad, 
Pensacola & Atlantic, .... 
Great Northern Railroad preferred stock, 
Chicago, Burlington & Quinoy, 
Chicago & Northwest debenture, 
Pittsburgh, McKeesport & Youghiogheny, 

West Shore, 

Tennessee State, 

Louisville & Nashville, .... 

Pittsburgh & Western Railroad, 

New York, Susquehanna & Western Railroad 

Western Union Telegraph Co., 

Baltimore & Ohio Railroad, 

Cleveland, Cincinnati, Chicago & St. Louis, 



Market Value. 

$123,600 00 
26,625 00>| 



Amount Loaned. 

$100,000 00 



86,625 00 [ 



7,680 00 
4,700 00 J 
66,500 00 >| 
174,250 00 
71,050 00 
52,375 00 j> 
195,000 00 
10,375 00 
44,400 00 J 
297,200 00 
246,000 00 
30,300 00 
661,000 00 
236,250 00 
885,000 00 



[> 100,000 00 



$9,449,241 00 
Schedule B. 

Stocks and Bonds owned by the Company. 

Book Value. 

Pennsylvania Railroad stock, .... $488,348 00 

Mercantile Trust Company stock, . . . 2,078,880 00 

Cleve., Cincin., Chic. & St. Louis R.R. stock, . 1,449,177 00 

Rock Island Railroad stock, .... 1,477,867 00 
Missouri Pacific Railroad stock, . . . 602,063 00 

Omaha Railroad stock, 647,922 00 

Michigan Central Railroad stock, . . . 973,231 00 

Northwest Railroad stock, .... 1,803,686 00 

Illinois Central Railroad stock, . . . 1,034,581 00 
St. Paul, Minnesota & Manitoba R.R. stock, . 448,828 00 

Chicago, Milwaukee & St. Paul R.R. stock, . 2,090,990 00 

Chicago, Burlington & Quincy R. R. stock, . 1 ,365,484 00 
Baltimore & Ohio Railroad stock, . . . 705,268 00 

Rome, Watertown & Ogdensburg R.R. stock, 1,039,408 00 

Delaware & Hudson Canal Company stock, . 1,183,469 00 

Bank of America stock, 20,658 00 

Western National Bank stock, .... 777,268 37 
Consolidated Gas Company stock, . . . 520,214 00 

Western Union Telegraph Company stock, . 2,220,097 00 
Delaware, Lackawanna & Western R.R. stock, 113,374 00 
Lake Shore & Michigan Southern R.R. stock, 871,858 00 
Manhattan Elevated Railroad stock, . . 517,704 00 
Chicago & Alton Railroad stock, . . . 80,802 00 
New York Central Railroad stock, . . . 99,203 00 
St. Paul, Milwaukee & Northern R.R. bonds, . 21,438 00 
Ontario & Western Railroad bonds, . . 518,250 00 



500,000 00 



250,000 00 
200,000 00 

750,000 00 
500,000 00 



1,934,463 33 



Market Value. 

$437,760 00 

4,547,550 00 

1,235,875 00 

1,062,187 00 

225,750 00 

633,000 00 

947,625 00 

1,623,190 00 

906,475 00 

420,000 00 

1,785,625 00 

1,043,937 00 

540,000 00 

1,067,000 00 

1,170,000 00 

19,500 00 

752,058 00 

558,000 00 

2,180,750 00 

129,200 00 

859,250 00 

526,050 00 

81,000 00 

99,750 00 

21,280 00 

520,000 00 



74 THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 



Cedar Falls & M. Railroad bonds, . 
Chicago, St. Louis & New Orleans R.R. bonds, 
Chesapeake & Ohio Railroad bonds, 
Oregon Railway & Navigation Co. bonds, 
Missouri, Kansas & Texas Railroad bonds, 
Brooklyn City & Newtown Railroad bonds, 
Albany & Susquehanna Railroad bonds, . 
Pittsburgh & Western Railroad bonds, . 
James River Valley Railroad bonds, 
Northern Pacific Railroad bonds, 
Omaha Railroad bonds, .... 
Pitts., McKeesport & Youghiogheny R.R. b'ds 
New York Elevated Railroad bonds, 
Jackson, Lansing & Saginaw Railroad bonds 
Flint & Pere Marquette Railroad bonds, . 
St. Louis Terminal Railroad bonds, 
Lehigh Valle}~ Railroad bonds, 
Chicago & Western Indiana Railroad bonds, 
Philadelphia & Reading Railroad bonds,. 
Canada Southern Railroad bonds, . 
Kentucky Central Railroad bonds, . 
Great Northern Railroad bonds, 
Rochester & Pittsburgh Railroad bonds, . 
Willmar & S. Falls Railroad bonds, 
Wheeling & Lake Erie Railroad bonds, . 
Louisville, New Albany & Chicago R.R. bonds 
Chicago & East Illinois Railroad bonds, . 
St. Louis, Kansas City & Northern R.R. bonds 
Rochester & Brighton Railroad bonds, . 
South Ferry Railroad bonds, 
United States bonds, . 

Western Union Telegraph Company bonds, 
Newark city bonds, . 
Kearney city bonds, . 
Louisville city bonds, 
Elizabeth city bonds, 
Mississippi State bonds, . 
Virginia State bonds, 
Toronto city bonds, . 
Montreal city bonds, 
Laclede Gas Light Co. bonds, 
Standard Gas Li^ht Co. bond: 
Russian government bonds, 
Southwestern Railway bonds, 
Rezan Ural bonds, . 
Kursk Kief bonds, 
Orenburg Railway bonds, 
Prussian government bonds, 



Book Value. 

$149,912 00 
490,000 00 

1,844,807 37 
313,389 00 
674,888 00 
377,000 00 

1,1. 37, 500 00 
576,694 00 
84,092 00 
115,542 00 
857,767 00 
634,375 00 
449,550 00 
196,650 00 
33,000 00 
480,000 00 

1,080,000 00 
267,667 00 
487,500 00 
100,000 00 
355,825 00 
539,662 00 
118,000 00 
495,000 00 
110,833 00 
104,454 00 
492,917 00 
124,300 00 
199,940 00 
155,000 00 
968,800 00 

2,183,807 00 

267,500 00 

10,000 00 

286,500 00 

365,050 00 

10,000 00 

11,371 00 

286,890 00 

419,750 00 

419,187 00 

237,500 00 

315,316 00 

110,970 00 

156,183 00 

37,833 00 

9,011 00 

317,649 00 



Market Value. 

$142,393 00 
480,000 00 

1,889,668 00 
262,500 00 
702,000 00 
392,080 00 

1,168,405 00 
623,800 00 
81,000 00 
110,000 00 
933,120 00 
650,000 00 
467,250 00 
196,650 00 
32,340 00 
485,000 00 

1,055,000 00 
283,200 00 
492,500 00 
102,500 00 
356,900 00 
547,462 00 
117,000 00 
500,000 00 
113,250 00 
95,500 00 
493,750 00 
118,650 00 
200,000 00 
157,500 00 
888,750 00 

2,251,500 00 

292,500 00 

10,000 00 

300,000 00 

364,050 00 

10,000 00 

11,970 00 

294,920 00 

417,724 00 

402,500 00 

239,583 00 

360,471 00 

111,105 00 

158,180 00 

38,479 00 

8,937 00 

315.520 00 



THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 75 



Italian government bonds, 

German government bonds, 

Swedish government bonds, 

Swiss government bonds, . 

Wurtemburg bonds, 

Cape of Good Hope bonds, 

Transvaal government bonds, 

Erie Railroad bonds, 

Erie Coal Co. bonds, 

Erie Equipment bonds, 

St. Paul Railroad bonds, . 

Southwestern Railroad bonds, 

Pennsylvania Railroad bonds, 

Pitts., Cinn., Chicago & St. Louis R.R. bonds 

Missouri Pacific Railroad bonds, 

Pacific Railroad of Missouri bonds, 

International & Great Northern R.R. bonds, 

Northwest Railroad bonds, 

Manhattan Railroad bonds, 

New York Central Railroad bonds, 

West Shore Railroad bonds, . 

Pine Creek Railroad bonds, 

Watertown & Rome Railroad bonds 

Texas & Pacific Railroad bonds, 

Iron Mountain Railroad bonds, 

Morris & Essex Railroad bonds, 

New York, Lack. & Western R.R. bonds 

Peoria & Pekin Railroad bonds, 

Manitoba Railroad bonds, 

Cleve., Col., Cinn. & Indianapolis R.R. bonds 

Indianapolis & St. Louis Railroad bonds, 

Cin., Ind., St. Louis & Chicago R.R. bonds, 

Pittsburgh & Lake Erie Railroad bonds, . 

Lake Shore & Michigan So. R.R. bonds, . 

Cent! Park, North & East River R.R. bonds, 

Rock Island Railroad bonds, . 

Chicago, Burlington & Quincy Railroad bonds 

Iowa bonds, 

Denver bonds, 

Chicago, Burlington & Quincy Railroad bonds 

Nebraska bonds, 

Minneapolis & St. Louis Railroad bonds, 
Alton & Terre Haute Railroad bonds, 
Hannibal & St. Joseph Railroad bonds, 
Brazilian government bonds, . 
Hungarian government bonds, 



Book Value. 

8381,643 00 
329,526 00 
93,886 00 
19,231 00 
72,635 85 
51,847 00 
48,747 00 

1,068,093 00 

1,311,333 00 
184,230 00 

2,698,630 00 
147,012 00 

1,019,940 00 

1,005,000 00 

712,892 00 

6,846 00 

440,240 00 

6,539,006 00 
530,193 00 
108,995 00 

1,000,000 00 
253,612 00 
438,585 00 
185,432 00 

2,286,264 00 

1,629,359 00 

69,123 00 

261,443 00 

1,322,421 00 
838,264 00 
171,625 00 
487,500 00 

1,064,500 00 

1,016,645 00 
57,159 00 

1,697,171 00 
982,967 00 
328,250 00 
501,494 00 

1,366,467 00 
172,000 00 
109,737 00 
243,928 00 

1,602,877 00 
111,884 00 
100,325 00 



Market Value. 

$368,383 00 

327,271 00 

92,671 00 

19,366 00 

70,911 00 

53,272 00 

52,380 00 

1,093,860 00 

1,319,320 00 

184,230 00 

2,804,815 00 

148,995 00 

1,100,000 00 

1,020,000 00 

665,000 00 

6,650 00 

444,000 00 

6,868,015 00 

560,500 00 

107,500 00 

1,037,500 00 

264,290 00 

492,886 00 

146,000 00 

2,072,710 00 

1,751,220 00 

79,100 00 

268,140 00 

1,392,500 00 

872,500 00 

172,500 00 

470,000 00 

1,120,000 00 

1,030,320 00 

57,500 00 

1,602,994 00 

861,810 00 

305,500 00 

445,000 00 

1,392,825 00 

173,000 00 

127,500 00 

243,270 00 

1,634,425 00 

77,329 00 

126,935 00 



$77,698,607 59 $78,643,312 00 



76 



THE GERMANIA LIFE INSURANCE CO. 



"THE GERMANIA LIFE INSURANCE COMPANY," NEW YORK. 

[Incorporated April 10, 1860. Commenced business July 16, I860.] 

Paid-up Capital, $200,000. 

Hugo Wesendoxck, President. Hubert Cillis, Secretary. 



Income. 

Cash received for premiums on new policies, . 
Cash received for renewal premiums, 
Premiums paid by dividends, including additions, . 
Premiums paid by surrendered policies, 
Cash received for annuities, 



Total 

Deduct amount paid for re-insurance, 

Total premium income, 
Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 
for policy fees, 



Total income, 
Net or ledger assets Dec. 31, 1892, 

Total, .... 



$464,996 79 

2,234,675 58 

37,819 37 

121,904 30 

18,174 63 

$2,877,570 67 
9,330 56 

$2,868,240 11 

754,243 26 

3,733 34 

97,181 65 

1,945 43 

£3,725,343 79 
17,112,118 18 



$20,837,461 97 



Disbursements. 

Cash paid for losses and additions, $1,077,603 42 

Cash paid for matured endowments and additions, . . 326,808 21 

Gross amount paid for losses and endowments, . . $1,404,411 63 

Cash paid to annuitants, 21,976 00 

Cash paid for surrendered policies, 156,267 28 

Surrender values, including reconverted additions applied 

in payment of premiums, . 132,728 00 

Cash dividends paid policy-holders, 13,313 23 

Dividends applied in payment of premiums, .... 171,47090 

Total paid policy-holders, $1,900,167 04 



THE GERMANIA LIFE INSURANCE CO. 



77 



Cash paid for dividends to stockholders, . 

for commissions to agents, 

for salaries and travelling expenses of agents, 

for medical examiner's fees, . 

for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for commuting commissions, . 

for furniture and office fixtures, 

for advertising, 

for incidentals, ..... 
Profit and loss account, 

Total disbursements, 



Balance, 



$24,000 00 

405,427 68 

102,610 33 

32,199 19 

74,609 25 

19,398 60 

17,880 00 

1,537 87 

4,590 39 

16,311 78 

62,967 56 

19,258 30 

$2,680,957 99 



118,156,503 98 



Invested in the following 



Assets as per Ledger Accounts 

Cost value of real estate, ...... 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Cost value of stocks and bonds owned (schedule B), 

Cash in office (and in transit since received), 

Cash deposited in bank, . 

Insurance scrip, .... 

Ledger assets (as per balance), 
Deduct depreciation from cost of assets, 

Total net or ledger assets, 



$1,991,406 66 

9,996,391 55 

50,000 00 

665,551 38 

5,186,703 26 

110,017 87 

155,393 26 

1,040 00 



$18,156,503 98 
126,722 68 



$18,029,781 30 



Other Assets. 
Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of real estate, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), 

Net amount ofuncollected and deferred prem's, 

Total assets per company's books, . 



$232,818 64 
333,672 25 

$566,490 89 
113,298 18 



144,355 88 

5,095 84 

57,433 11 



453,192 71 



$18,689,858 84 



Items not admitted. 
Deduct special deposits in other States, . 

Balance, 



1,731,043 08 



$16,958,815 76 



78 



THE GERMANIA LIFE INSURANCE CO. 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries'' 4 per cent,), 
Deduct net value of re-insured risks, 



Net re-insurance reserve, . 
Death losses due and unpaid, . 
Matured endowments due and unpaid, 
Death losses and matured endowments in proc 

ess of adjustment, .... 
Due and unpaid on annuity claims, . 

Total policy claims, . 
Unpaid dividends of surplus due policy-holders, 
Extra reserve for lapsed, war and other policies, 

Liabilities as to policy-holders, 
Deduct liabilities on special deposits, 



$17,356,239 00 
31,209 00 


$17,325,030 00 
$394 26 
8,954 91 

106,880 18 
1,241 16 

1 17 A -A K1 




M. 1 f ,-Zf V 'J L 

40,582 59 
02,594 78 



Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, 

Gross liabilities, 



. $1,144,180 96 



$17,545,677 88 
. 1,731,043 08 

$15,814,634 80 

200,000 00 
941,180 96 



$16,958,815 76 



Exhibit of Policies. 

Policies and Additions in Force Dec. 31, 1892. 

Number. Amount. Total Xo. Total Amoimt. 

Whole life,. . . . 13,795 $27,972,027 00 
Endowment, . . . 22,925 36,463,663 00 
All other, .... 278 783,205 00 

36,998 $65,218,895 00 



Whole life, . 
Endowment, 
All other, 



Policies issued during the Tear. 

. 2,876 $7,224,487 00 

. 3,513 5,446,951 00 

17 40,517 00 



6,406 12,711,955 00 



Old Policies revived. 



Whole life, . 


4 


$3,403 00 






Endowment, 


18 


27,514 00 






All other, . 


2 


4,000 00 


24 


34,917 00 






THE GERMANIA LIFE INSURANCE CO. 



79 



Whole life, . 
Endowment, 
All other, . 

Additions by dividends, 
Total, . 



Old Policies increased. 

Number. Amount. 

27 $67,370 00 

163 138,926 00 

1 5,000 00 



Total No. 



191 



Total Amount. 



$211,296 00 
57,895 00 



43,619 $78,234,958 00 



Policies terminated during the Year. 



Whole life, . 
Endowment, 
All other, 



1,970 

2,653 

71 

4,694 



$5,029,546 00 

4,422,951 00 

187,079 00 

$9,639,576 00 



By death, 

maturity, 

expiry, . 

surrender, 

lapse, 

change and decrease, 
Not taken, . 



How terminated. 

532 $1,049,925 00 

255 329,661 00 

34 22,063 00 

647 1,184,271 00 

2,140 4,509,058 00 

227 738,761 00 

859 1,805,837 00 



4,694 9,639,576 00 



Whole life, . 
Endowment, 
All other, 



Policies in Force Dec. 31, 18 93. 

. 14,732 $30,271,771 00 

. 23,966 37,677,968 00 

227 645,643 00 
38,925 



Industrial policies in force, 



6,604 



$68,595,382 00 
788,897 00 



Schedule A. 

Securities held as Collateral. 

Market Value. 

Little Falls & Dolgeville Railroad bonds, . . $63,750 00 
Life insurance policy assigned, .... 16,975 00 



Loaned Thereon. 

$50,000 00 



,725 00 $50,000 00 



Schedule B. 



Stocks and Bonds owned by the Company. 

Cost Value. 

Virginia funded debt, $17,075 00 



City of Denver, Col., warrants, . 
City of Lexington, Ky., bonds, . 
Newark, N. J., city bonds, . 
Dominion of Canada debentures, 



3,100 00 
46,125 00 
49,450 00 
52,625 00 



Market Value. 

$18,040 00 

3,430 00 

46,125 00 

46,300 00 

51,000 00 



80 



THE GERMANIA LIFE INSURANCE CO. 



Montreal Harbor bonds, 
Austrian government bonds, 
Hungarian government bonds, 
Bavarian government bonds, 
Swiss government bonds, . 
Prussian government bonds, 
Atchison, Topeka & Santa Fe R.R. bonds 
Atlantic Avenue Railroad bonds, 
Baltimore & Ohio Railroad bonds, . 
Brooklyn Elevated Railroad bonds, . 
Central Ohio Railroad bonds, . 
Central Park, North & East River City R.R. b'ds 
Chicago & Alton Railroad bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago, Milwaukee & St. Paul Railway bonds 
Chicago & Northwestern Railway bonds, . 
Chicago, Rock Island & Pacific Railway bonds 
Chicago, St. Louis & Pittsburgh R.R. bonds, 
Chicago, St. Paul, Minn. & Omaha R.R. bonds 
Cincinnati, Sandusky & Cleveland R.R. bonds, 
Cleveland, Cin., Chic. & St Louis R.R. bonds, 
Columbus, Connecting & Terminal R R. bonds 
Columbus, Hocking Val. & Toledo R.R. bonds 
Dayton & Michigan Railroad bonds, . 
Dayton & Western Railroad bonds, . 
Delaware & Hudson Canal Company bonds, 
East Tenn., Virginia & Georgia Railway bonds 
Elizabethtown, Lex^on & B. Sandy R.R. bonds 
Flint & Pere Marquette Railroad bonds, . 
Galveston, Harrisburg & St. Antonio R.R. bonds 
Hannibal & St. Joseph Railroad bonds, 
Illinois Central Railroad bonds, . 
Kentucky Union Railway bonds, 
Kings County Elevated Railway bonds, . 
Lake Erie & Western Railroad bonds, 
Lake Shore & Michigan Southern R'y bonds, 
Long Island Railroad bonds, 
Michigan Central Railroad bonds, 
Milwaukee, Lake Shore & Western R'y bonds 
Minneapolis & St. Louis Railway bonds, . 
Minneapolis Street Railway bonds, . 
Missouri Pacific Railway bonds, 
New York Central & Hudson River R.R. bonds 
New York, Lake Erie & Western Ry bonds, 
Northern Pacific Railroad bonds, 
Ohio & Mississippi Railway bonds, . 
Philadelphia & Reading Railroad bonds, . 
Rio Grande Western Railroad bonds, 



Cost Value. 

$25,000 00 

237,127 91 

46,987 97 

10,392 60 

19,358 69 

559,984 99 

49,173 60 

26,187 50 

84,780 00 

52,375 00 

25,562 50 

48,605 00 

86,577 50 

31,012 50 

130,077 50 

398,003 75 

73,615 00 

59,780 00 

248,672 50 

43,050 00 

39,250 00 

47,500 00 

10,890 00 

20,900 00 

5,525 00 

167,187 50 

36,225 00 

42,600 00 

29,750 00 

46,500 00 

17,531 25 

46,650 00 

47,875 00 

50,000 00 

50,000 00 

59,637 50 

94,091 25 

124,196 25 

49,750 00 

56,910 00 

47,625 00 

37,200 00 

193,887 50 

271,612 50 

150,312 50 

15,585 00 

125,700 00 

112,250 00 



Market Value. 

$25,000 00 

235,809 24 

49,615 95 

10,932 01 

19,230 40 

561,065 48 

42,860 00 

26,750 00 

87,605 00 

47,000 00 

25,750 00 

46,400 00 

78,720 00 

27,800 00 

129,650 00 

418,900 00 

68,235 00 

55,000 00 

255,040 00 

45,150 00 

37,180 00 

47,500 00 

10,260 00 

21,000 00 

5,700 00 

176,800 00 

33,150 00 

39,200 00 

29,125 00 

38,800 00 

17,625 00 

43,245 00 

25,000 00 

39,250 00 

56,500 00 

61,000 00 

93,490 00 

122,710 00 

53,375 00 

50,400 00 

46,250 00 

31,500 00 

183,200 00 

284,355 00 

131,500 00 

14,170 00 

124,300 00 

103,500 00 



HOME LIFE INSURANCE CO. 



81 



St. Joseph & Grand Island Railroad bonds, 
St. Louis, Iron Mountain & Southern R'y bonds, 
St. Paul, Minneapolis & Manitoba R'y bonds, 
Savannah, Florida & Western Railway bonds, 
Second Avenue Railroad of New York bonds, 
Sioux City & Northern Railroad bonds, . 
Syracuse Consolidated Street Railway bonds, 
Terre Haute & Indianapolis Railroad bonds, 
Texas & Pacific Railroad bonds, 
Third Avenue Railroad of New York bonds, 
Ulster & Delaware Railroad bonds, . 
Wabash Railroad Company, S. F., bonds, . 
42d St., Man. & St. Nich. Av. H. R.R , N Y., stock, 



Cost Value. 

$32,250 00 
50,750 00 

215,450 00 
53,812 50 
26,125 00 
46,000 00 
94,900 00 
20,200 00 
45,875 00 
26,875 00 
49,875 00 

102,750 00 



Market Value. 

$20,550 00 
51,000 00 

226,837 50 
52,250 00 
25,375 00 
46,250 00 
55,000 00 
21,600 00 
36,500 00 
28,375 00 
50,250 00 

102,500 00 
3,000 00 



$5,186,703 26 $5,059,980 58 



" HOME LIFE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated April 30, 1860. Commenced business May 1, I860.] 
Paid-up Capital, $125,000. 

George H. Ripley, President. Ellis W. Gladwin, Secretary. 

Income. 
Cash received for premiums on new policies, . 



Cash received for renewal premiums, 
Premium notes received for new policies, 
Premium notes received for renewals, 
Premiums paid by dividends, including additions, 
Cash received for annuities, .... 

Total, 

Deduct amount paid for re-insurance, 

Total premium income, .... 
Cash received for interest, .... 
for rents of company's property, 
for premiums, new and renewal, not separated, 



Total income, 
Net or ledger assets Dec. 31, 1892, 



$399,271 79 

814,354 95 

69,757 59' 

121,398 84 

118,715 98 

16,105 51 

$1,539,604 66 

4,548 30 

$1,535,056 36 

320,950 40 

6,346 29 

6,985 61 

$1,869,338 66 

7,533,161 01 



Total > $9,402,499 67 

Disbursements. 
Cash paid for losses and additions, $ 365,646 02 



Premium notes or loans used in payment of same, 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, 

Gross amount paid for losses and endowments, 



15,657 84 

115,590 66 

1,170 06 

$498,064 5S 



82 



HOME LIFE INSURANCE CO. 



Cash paid to annuitants, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Cash dividends paid policy-holders, .... 

Dividends applied in payment of premiums, . 
Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 
for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiners' fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for advertising, 

for incidentals, 

for profit and loss account, .... 

Total disbursements, 



Balance, 



$7,108 27 
119,203 82 

28,473 85 

4,004 93 

118,715 98 

57,949 03 

1833,580 46 
15,000 00 

252,451 94 
17,087 73 
33,260 50 
78,275 00 
19,142 64 
8,346 00 
15,869 84 

162,974 45 
11,783 37 

$1,447,771 93 

$7,954,727 74 



Invested in the following : — 



Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

.Cash in company's office, 

Cash deposited in bank, 

Bills receivable, 

Agents' ledger balances, 

Commuted commissions, 



$933,974 98 

2,537,350 00 

235,700 00 

201,600 10 

551,364 02 

3,163,049 01 

326 94 

119,760 13 

79,083 97 

99,323 21 

33,195 38 



Ledger assets (as per balance), 



£7,954,727 74 



Other Assets. 

Interest due and accrued, 
Rents due and accrued, .... 
Market value of real estate, over cost, . 
Market value of stocks and bonds, over cost, 
Re-insurance due from other companies, 



92,019 00 
363 00 
95,516 68 
72,390 99 
12,500 00 



HOME LIFE INSURANCE CO. 83 

Uncollected premiums on policies in force, . $210,916 92 
Deferred premiums on policies in force, . . 77,444 81 

Total $288,361 73 

Deduct loading (20 percent.), . . . . 57,672 35 

Net am't of uncollected and deferred prem's, . $230,689 38 



Total assets per company's books, $8,458,206 79 

Items not admitted. 

Commuted commissions, $33,195 38 

Agents 1 balances 99,323 21 

Bills receivable, 79,083 97 

Total, 211,602 56 



Total admitted assets, $8,246,604 23 

Deduct special deposits in other States, 11,250 00 

Balance, $8,235,354 23 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), .... $6,913,860 00 
Deduct net value of re-insured risks, 2,667 00 



Net re-insurance reserve, $6,911,193 00 

Premium obligations in excess of net values of their policies, 9,227 57 
Death losses and matured endowments in proc- 
ess of adjustment, $66,603 05 

Claims resisted b} T the company, . . . 47,500 00 

Total policy claims, 114,103 05 

Unpaid dividends of surplus due policy-holders, . . . 9,962 36 

Premiums paid in advance, 10,174 37 



Liabilities as to policy-holders, $7,054,660 35 

Surplus as regards policy-holders, . . . $1,180,693 88 

Paid-up capital, 125,000 00 

Surplus over capital, 1,055,693 88 

Gross liabilities, $8,235,354 23 

Premium Note Account. 

Premium notes on hand Dec. 31, 1892, . . $553,748 18 

Premium notes received during 1893, . . 191,156 43 

Total, $744,904 61 

Used in payment of losses and claims, . . $16,827 90 
Used in payment of surrendered policies and 

voided by lapse, 28,473 85 

Used in payment of dividends to policy-holders, 57,949 03 

Redeemed by maker in cash, .... 90,289 81 

Total, 193,540 59 



Balance note assets Dec. 31, 1893, $551,364 02 



84 



HOME LIFE INSURANCE CO. 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1892. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 14,478 $29,359,319 00 
Endowment, . . . 3,017 5,703,709 00 
All other, .... 895 2,945,350 00 

18,390 $38,008,378 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

. 4,625 $8,880,116 00 
594 1,288,908 00 
903 2,597,000 00 



6,122 12,766,024 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

8(j $244,775 00 

36,225 00 



20 
30 



75,500 00 



136 



356,500 00 



Whole life, 
Endowment, 

Additions by dividends, 

Total, 



Old Policies increased. 

112,750 00 

1,232 00 



13,982 00 
109,114 00 



24,648 $51,253,998 00 



Policies terminated during the Year. 

Whole life, . . . 3,597 $8,162,249 00 
Endowment, ... 527 1,148,169 00 

All other, .... 807 2,723,250 00 





4,931 


£12,033,668 00 




How terminated. 


By death, . 


202 


$381,304 00 


maturity, 


102 


116,761 00 


surrender, . 


940 


2,354,052 00 


lapse, . . . . 


1,991 


4,542,484 00 


change and decrease, . 


- 


206,317 00 


Not taken, 


1,696 


4,432,750 00 



4,931 12,033,668 00 



Policies in Force Dec. 31, 1893. 

Whole life, . . . 15,592 $30,335,823 00 
Endowment, . . . 3,104 5,989,907 00 
All other, . . . .1,021 2,894,600 00 



19,717 $39,220,330 00 



HOME LIFE INSURANCE CO. 



85 



Schedule A. 

Securities held as Collateral. 

Market Value. 

Union Trust Company stock, .... $30,000 00 

American Exchange National Bank stock, . 6,525 00 

Manhattan Elevated stock, .... 12,00000 

Manhattan Elevated bonds, .... 3,720 00 

Municipal Electric Light Company stock, . 4,200 00 

Title Guarantee & Trust Company stock, . 3,340 00 

Washington Trust Company stock, . . 1,700 00 

Standard Oil Trust Company stock, . . 4,620 00 

Coney Island & Brooklyn Railroad stock, . 3,750 00 

Nassau Fire Insurance Company stock, . . 1,700 00 

Port Townsend School bonds, .... 3,000 00 

Fidelity Loan & Trust Company, la., bonds, . 4,000 00 

Chicago, Rock Island & Pacific R.R. stock, . 6,200 00 

Central Railroad of New Jersey stock, . . 78,400 00 

Delaware, Lackawanna & Western R.R. stock, 64,000 00 

Missouri, Kansas & Texas Railroad stock, . 11,700 00 

Missouri Pacific Railroad stock, . . . 24,000 00 

Missouri Pacific Railroad bonds, . . . 46,800 00 

St. Louis, Alton & Terre Haute R.R. bonds, . 19,800 00 

St. Louis & Southwestern Railroad bonds, . 1,900 00 

Wabash Debenture bonds, .... 6,750 00 

Standard Gas Light Company stock, . . 3,000 00 

Missouri, Kansas & Texas Railroad bonds, . 34,500 00 



Loaned Thereon . 

$19,000 00 
4,200 00 

I 11,500 00 
j> 11,000 00 



4,000 00 

6,000 00 

5,000 00 

100,000 00 



J. 75,000 00 



$375,605 00 $235,700 00 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

United States bonds, $445,368 26 $450,000 00 

Erie Railroad bonds, 60,061 26 45,900 00 

New York, Chicago & St. Louis R.R. bonds, . 197,689 74 195,000 00 

New Jork, Lack. & Western R.R. bonds, . 97,500 00 110,000 00 

Albany & Susquehanna Railroad bonds, . 241,925 00 249,400 00 

Morris & Essex Railroad bonds, . . . 267,967 50 274,000 00 

Chicago & Northwestern Railroad bonds, . 281,400 00 274,000 00 

Oswego & Syracuse Railroad bonds, . . 38,950 00 38,950 00 

Fidelity Loan & Trust Company bonds, . . 50,000 00 50,000 00 

Jefferson Railroad bonds, .... 102,500 00 102,500 00 

Delaware & Hudson Railroad bonds, . . 79,091 25 75,350 00 

Monmouth County, N. J., school bonds, . . 23,605 00 23,000 00 

Michigan Central Railroad bonds, . . . 49,725 00 49,000 00 

Central Railroad of New Jersey bonds, . . 90,149 14 89,100 00 

Lake Shore & Michigan Southern R.R. bonds, 143,150 00 141,300 00 

Louisiana & Missouri River Railroad bonds, . 33,720 83 32,000 00 



86 



THE MANHATTAN LIFE INSURANCE CO. 



New York Central & Hudson Riv. R.R. bonds, 

Buffalo & Erie Railroad bonds, 

Rome, Watertown & Ogdensburg R.R. bonds, 

Cleve., Col., Cin. & Indianapolis R.R. bonds, 

Nashville & Decatur Railroad bonds, 

New York & Harlem Railroad bonds, . 

Kalamazoo & White Pigeon Railroad bonds, 

Norfolk & Southern Railroad bonds, 

Jackson, Lansing & Saginaw Railroad bonds 

Detroit, Monroe & Toledo Railroad bonds, 

Brooklyn City Railroad bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

Long Island Railroad bonds, . 

Gravesend Street Improvement bonds, . 

Flatbush sewer bonds, .... 

Newark sewer bonds, .... 

Michigan Central Railroad bonds, . 

Duluth Public Improvement bonds, 

Edison Electric Illuminating Company bonds 

Lehigh Valley Terminal bonds, 

Chicago & Eastern Illinois bonds, . 

Union Ferry Company bonds, 

City of Lake Side, Minn., imp. bonds, . 

Lincoln, Neb., Street Railway bonds, 

Central Trust Company stock, 

American Exchange National Bank stock, 

National Bank of Commerce stock, 



Cost Value. 

$105,750 00 

45,320 00 

109,170 00 

11,441 67 

56,750 00 

5,900 00 

9,787 50 
28,500 00 
30,825 50 
12,325 00 
22,207 50 
26,693 00 
17,500 00 

7,698 00 
50,000 00 
50,000 00 
24,200 00 

7,000 00 
50,000 00 
54,562 50 
50,517 36 
25,000 00 
23,000 00 
50,000 00 
29,500 00 
22,512 25 
34,085 75 



Market Value. 

$107,000 00 

44,800 00 

113,000 00 

11,300 00 

53,500 00 

') 00 

9,450 00 
30,000 00 
30,000 00 
12.500 00 
22,400 00 
26,400 00 
19,000 00 

7,600 00 
50,000 00 
50,000 00 
24,000 00 
•0 00 
51,000 00 
58,760 00 
50,000 00 
25,000 00 
23,900 00 
50,000 00 
100,000 00 
23,490 00 
35,000 00 






$3,163,049 01 83,235,440 00 



"THE MANHATTAN LIFE INSURANCE COMPANY." NEW 

YORK, N. Y. 

[Incorporated 1850. Commenced business Aug. 1, 1850.] 
Paid-up Capital, $100,000. 

Henry B. Stokes, President. William C. Frazee, Secretary, 



Income. 

Cash received for premiums on new policies, 
Cash received for renewal premiums, 
Premium notes received for renewals, 
Cash received for annuities, 

Total, 

Deduct amount paid for re-insurance, 

Total premium income, 



$438,735 78 

1,635,140 01 

39,241 81 

11,812 72 

32,124,930 32 

11,020 42 

§2,113,909 90 



THE MANHATTAN LIFE INSURANCE CO. 



87 



Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 



Total income, 
Net or ledger assets Dec. 31, 1892, 



Total, 



$621,306 90 

9,697 00 

31,738 98 

$2,776,652 78 
12,590,430 13 



Disbursements. 

Cash paid for losses and additions, , 
Premium notes or loans used in payment of same, 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, , 



Gross amount paid for losses and endowments 

Cash paid to annuitants, 

Cash paid for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, .... 
Cash dividends paid policy-holders, 
Premium notes or loans used in payment of dividends, 

Total paid policy-holders, 

Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of agents, 
for medical examiner's fees, . 
for salaries of officers and office employees, 
for taxes and fees, 
for rent, . 
for advertising, 
for legal expenses, 
for incidentals, . 
for expenses on real estate, 

Total disbursements, . 

Balance, 



$15,367,082 91 



$1,107,844 93 

39,130 69 

109,931 18 

1,044 82 



,257,951 62 

3,255 32 

326,C.90 89 

31,017 11 

111,639 76 

3,475 07 

L,737,029 77 
16,000 00 
338,562 56 
67,536 07 
51,890 00 
88,488 63 
22,451 72 
40,937 28 
18,963 53 
13,549 50 
82,795 08 
29,236 17 

2,507,440 31 

$12,859,642 60 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Ledger assets (as per balance) , 



52,345,594 54 

3,820,536 08 

2,427,289 92 

72,600 00 

647,925 32 

2,971,414 27 

26,873 73 

547,408 74 

$12,859,642 60 



88 



THE MANHATTAN LIFE INSURANCE CO. 



Other Assets 

Interest clue and accrued, .... 
Rents due and accrued, .... 
Market value of real estate, over cost, 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), . 
Net am't of uncollected and deferred prem's, 
Advanced to agents ($1,500 since received), 
Commuted commissions, .... 

Total assets per company's books, . 



$261,909 66 
159,374 29 

$421,283 95 

84,256 79 



$ 110,655 43 

857 62 

149,853 83 

27,137 73 



337,027 16 

200,496 82 

49,095 30 

£13,734,766 49 



Items not admitted. 

Commuted commissions, $ 49 ,095 30 

Cash advanced to agents, 198,996 82 

Loans in excess of market value of securities, 7,012 50 
Total, 



Total admitted assets, 
Deduct special deposits in other States, . 



Balance, 



5,104 62 

$13,479,661 87 

10,250 00 

$13,469,411 87 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 percent.), 
Deduct net value of re-insured risks, 



Net re-insurance reserve, . 
Death losses and matured endowments in proc- 
ess of adjustment, .... 
Claims reported, proofs not received, 

Total policy claims, . 
Unpaid dividends of surplus due polic3~-holders, 
Miscellaneous, 



Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, 

Gross liabilities, .... 



$12,392,970 00 
10,277 00 



$12,382,693 00 



$202,508 00 
58,238 00 



260,746 00 
37,482 36 
24,289 94 

$12,705,211 30 
10,250 00 

$12,694,961 30 



$774,450 57 



100,000 00 
674,450 57 

$13,469,411 87 



THE MANHATTAN LIFE INSURANCE CO. 



89 



Premium Note Account. 

Premium notes on hand Dec. 31, 1892, . . $708,984 92 

Premium notes received during 1893, . . 39,241 81 

Total $748,226 73 

Used in payment of losses and claims, . . $40,175 51 
Used in payment of surrendered policies and 

voided by lapse, 34,017 11 

Used in payment of dividends to policy-holders, 3,475 07 

Redeemed by maker in cash, .... 22,633 72 

Total, 100,301 41 

Balance note assets Dec. 31, 1893, $647,925 32 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1892. 

Number. Amount. Total Xo. Total Amount. 

Whole life, . . . 18,857 $50,229,305 00 
Endowment, . . . 2,693 7,381,770 00 
All other, .... 1,045 3,660,455 00 

22,595 $61,271,530 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

. 6,850 $15,512,102 00 
387 700,280 00 
423 1,380,902 00 
7,660 



17,593,284 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

36 $105,350 00 

3 8,500 00 

1 3,779 00 



40 



117,629 00 



Whole life, 
All other, . 
Additions by dividends, 



Old Policies increased. 

$10,450 00 
114,861 00 



125,311 00 
3,985 00 



Total, 30,295 $79,111,739 00 



Policies terminated during the Year. 

Whole life, . . . 4,878 $12,997,564 00 
Endowment, ... 420 1,226,962 00 

All other, .... 142 592,743 00 



5,440 $14,817,269 00 



90 



THE MANHATTAN LIFE INSURANCE CO. 





How 


terminated. 






Number. 


Amount. Total No. 


Amount. 


By death, . 


403 


$1,146,976 00 




maturity, 


55 


110,976 00 




surrender, . 


380 


1,118,490 00 




lapse, . 


2,266 


5,866,148 00 




change and decrease, 


113 


1,558,394 00 




Not taken, 


2,223 


5,016,285 00 








5,440 


$14,817,269 00 



Whole life,. 
Endowment, 
All other, . 



Policies in Force Dec. 31, 1893. 



20,865 §52,863,628 00 
2,663 6,863,588 00 
1,327 4,567,254 00 



24,855 £64,294,470 00 



Schedule A. 
Securities held as Collateral. 

Market Value 

Iowa Central Railway bonds, . 
385 shares Iowa Central Railway, 

100 ' 

200 ■ 

200 ■ 

300 ' 

20 ' 

400 ' 

100 ■ 

300 ' 

100 ■ 

100 « 

50 ■ 



Union Trust Co., . 
' Wagner Palace Car Co., 
' Henderson Bridge Co., 

Nashville, Chat. & St. Louis R'way 
Union Trust Co., . 
1 Mahoning Coal Railroad Co., 
' Forty-second and G. Sts. Ferry R'y 
1 Wagner Palace Car Co., 
1 Bank of the Metropolis, . 
1 Union Trust Co., 
1 Citizens' Fire Insurance Co., 
Chesapeake & Ohio Railway Co. bonds, 
100 shares Western Union Telegraph Co 
100 " Chicago, Mil. & St. Paul Railway, 
100 " Cleve , Cinn., Chic. & St. Louis Ry 
General Electric Co. bonds, 
20 shares Union Trust Co., 
100 " Western Union Teleg. Co., . 
40 " National Citizens' Bank, 
68 " New York, New Haven & Hart. R.R 
100 " New York, Ont. & Western R.R., 
100 " Consolidated Gas Co. of N. Y., 
100 " Rome, Watertown & Ogdens. R.R 
Denver & Rio Grande Railroad bonds, 
Rio Grande Western Railway bonds, 
Consumers' Gas Co. of Phila. bonds. . 



$23,300 00 ) 

8,400 00 ) 

70,000 00 ) 

26,000 00 S 

20,000 00^ 



Loaned Thereon. 

$38,712 50 
65,000 00 



20,100 00 ( 



14,000 00 
19,000 00 
29,000 00 
39,000 00 
45,000 00 
70,000 00 
1,100 00 
5,100 00^ 
8,200 00 | 
11,600 00 |. 
3,400 00 | 
2,800 00 J 
14,000 00^ 
8,200 00 
1,400 00 
12,200 00 

1,400 00 j 
12,400 00 ( 
10,800 00 
2,200 00 
600 00 
1,000 00 J 



y 55,000 00 



6,500 00 
50,000 00 

45,000 00 
750 00 

25,000 00 



} 52,000 00 






THE MANHATTAN LIFE INSURANCE CO. 



91 



150 shares Columbia Bank of New York, 
Houston & Texas Central Railroad bonds, 
County of New York bonds, . 
City of New York bond, .... 
62 shares Morris & Essex Railroad, 
11 shares Chicago & Northwestern Railway, 
Sioux City & Pacific Railroad bond, . 
Cedar Rapids & Missouri River R.R. bonds, 
Winona & Southwestern Railway bonds, 
New York, Lacka. & Western R R. bonds, 
100 shares American Surety Co., 
100 shares Union Trust Co., 
Missouri, Kansas & Texas Railway bonds, 
700 shares Nash., Chattanooga & St. Louis R'y 
17 " N.Y., New Haven & Hartford R.R 
20 " Rome, Watertown & Ogdens. R.R 
50 " Consolidated Gas Co. of N. Y., 
100 " Chic, Mil. & St Paul Railway, 
Colorado Coal & Iron Co. bonds, 
St. Louis, Alton & Terre Haute R.R. bonds, 
Lehigh & Wilkesbarre Coal Co. bonds, . 
272 shares East River National Bank, 
600 " Citizens 1 Fire Insurance Co., . 
6 " Cleve., Cinn., Chic. & St. Louis R'y 
17 " National Citizens 1 Bank stock, 
Citizens 1 Eire Ins. Co. scrip, 
New York, Lack. & Western Railroad bonds, 
New York Cent. & Hudson River R.R. bonds. 
Jersey City water scrip, .... 
10 shares Pennsylvania Coal Co., 
N. Y., L. E. & W. R.R. Dock and Imp. bonds 
859 shares Whitney N'l B 1 k of New Orleans, 
145 " Citizens 1 Fire Insurance Co., . 
920 " National Citizens 1 Bank, 
Missouri, Kansas & Texas Railway bonds, 
Central Pacific Railroad bonds, 
Northern Pacific Railroad bonds, 
Central Railroad of New Jersey bonds, . 
20 shares New York Cent. & Hud. River R.R 
200 " Burlington, Cedar Rap. & No. R.R 
10 " Consolidated Gas Co. of N. Y., 
20 " Western Union Telegraph Co., 
20 " Denver & Rio Grande Railroad Co 
10 " Missouri, Kansas & Texas R 7 y Co , 
200 " Rich. & W. Point Ter. R'y & War. Co., 
10 " Wabash Railroad, . 
10 " Oreg. Short Line & Utah No. R'y, 
10 " Chesapeake & Ohio Railway, . 



Market Value. 

|37,500 00 

31,500 00 

5,000 00 

1,000 00 

4,300 00 

1,000 00 

1,000 00 

4,500 00 

1,400 00 

3,900 00 

9,000 00 

70,000 00 

8,800 00 

46,900 00 

3,000 00 

2,100 00 

6,100 00 

11,600 00 

1,900 00 

2,000 00 

11,600 00 

9,500 00 

12,600 00 

200 00 

500 00 

5,400 00 

3,300 00 

1,000 00 

2,000 00 

1,400 00 

11,500 00 

257,700 00 

3,000 00 

32,200 00 

15,600 00 

52,500 00 

43,000 00 

11,300 00 

1,900 00 

10,000 00 

1,230 00 

1,640 00 

580 00 

230 00 

400 00 

130 00 

30 00 

160 00 



Loaned Thereon. 

#15,000 00 



y 50,000 oo 



53,500 00 
I 40,000 00 

} 20,000 00 



15,000 00 



} 15,000 00 

i 

J 



5,000 00 



80,000 00 

2,250 00 
28,000 00 



} 100,000 00 

J 

1,500 00 
6,000 00 



} 3,500 00 



92 



THE MANHATTAN LIFE INSURANCE CO. 



500 shares Consolidated Gas Co. of N. Y., 

11 " Union Trust Co. of New York, 
Lake Shore & Mich. Southern Railway bonds, 
200 shares Wagner Palace Car Co , 
500 " Tennessee Coal, Iron & Railroad, 

15 " Western Union Telegraph Co., 
310 " Wagner Palace Car Co., . 
New York, West Shore & Buffalo R.R. bonds, 
Union Pacific Railway bonds, . 
Chesapeake & Ohio Railway bonds, . 
Chicago, Mil. & St. Paul Railway bonds, 
Atchison, Topeka & Santa Fe R.R. bonds, 

50 shares Fourth National Bank, . 

95 " Bank of the Metropolis, . 

20 " American Express Co., . 
Oreg. Short Line & Utah Northern R'y bonds, 
Cincinnati, Newport & Covington bonds, 
N. Y., Lake Erie & Western Railroad bonds, 
100 " Oregon Railway & Navigation Co., 
100 " Iowa Central Railway, . 
Atlanta Consolidated Street Railroad bonds, 
44 shares Columbia Bank of New York, . 
St. Louis, Alton & Terre Haute Railroad bonds, 
Union Pacific, Denver & Gulf Railway bonds, 
Mobile & Ohio Railroad bonds, 
100 shares Atlanta Consolidated Street RV, . 
Richmond & Danville Railroad bonds, . 
900 shares Lake Erie & Western Railroad, 
200 " Chicago, Milwaukee & St. Paul R.R., 
250 " St. Paul , Minneap. & Manitoba R.R., 
Chicago, Burlington &Quincy Railroad bonds, 
Kansas & Pacific Railroad bonds, 
Chic. June. R 1 ys & Union Stock Y'ds Co. bonds, 
General Electric Co. bonds, .... 
100 shares Cleve., Cinn., Chic. & St. Louis R.R., 
254 " Pullman Palace Car Co., 

75 " Rensselaer & Saratoga Railroad, . 
400 " Great Northern Railway, 
Chicago & Erie Railway bonds, 
200 shares Chicago & Eastern Illinois R.R., . 
200 shares Manhattan Railway, 
Chicago & Northern Pacific Railroad bonds, . 
Texas & Pacific Railway bonds, 

Wabash Railroad bonds, 

Richmond & Danville Railroad bonds, . 
Buffalo, Rochester & Pittsburgh RVay bonds, 
Burlington, Cedar Rapids & Northern RVay, 
Peoria & Pekin Union Railway bonds, 
St. Louis Southwestern Railway bonds, . 
Knoxville & Ohio Railroad bonds, . 



Market Value. 

$61,500 00 
7,700 00 
11,200 00 
26,000 00 
30,000 00 
1,200 00 
40,300 00 
4,100 00 ) 
2,000 00 S 
5,100 00 >| 
10,500 00 
6,400 00 
10,000 00 
42,700 00 
2,200 00 
3,700 00 
6,000 00 
3,700 00 ^ 
2,400 00 
•i.-J00 00 
20,000 00 
11,000 00 [ 
2,700 00 
4,600 00 
6,000 00 
5,000 00 J 
17,500 00 
55,800 00 
23,200 00 
25,200 00 
10,200 00 
1,700 00 | 
4,800 00 ( 
12,000 00 
7,500 00 
41,100 00 
12,700 00 
40,000 00 J 
237,600 00 
19,200 00^1 
24,400 00 
10,200 00 
17,500 00 
3,600 00 
31,300 00 \ 
3,100 00 
1,800 00 
4,200 00 
13,500 00 
4,900 00 >> 



Loaned Thereon. 



$62,000 00 

20,000 00 
30,000 00 

11,000 00 
5,000 00 

25,000 00 

28,000 00 

3,000 00 
4,750 00 



38,707 97 



}> 200,000 00 



188,244 45 



100,000 00 



THE MANHATTAN LIFE INSURANCE CO. 



93 



100 shares Belleville & Southern Illinois R.R 
St. Louis, Alton & Terre Haute R.R bonds, 
100 shares North American Company, . 
100 " Wabash Railroad, . 
200 " Rio Grande Western Railway, 
Chicago & West Michigan Railway bonds, 
100 shares Rio Grande Western Railway, 
Florida Central & Peninsular Railway bonds 
100 shares Toledo & Ohio Central Railway, 
Port Reading Railroad bonds, . 
100 shares Atchison, Topeka & Santa Fe R R. 
100 shares Peoria & Eastern Railroad, . 
Missouri, Kansas & Texas Railroad bonds, 
10 shares Northern Pacific Railroad, 
10 shares Missouri, Kansas & Texas Railway 
Wabash Railroad bonds, .... 
3 shares Chicago & Northwestern Railway, 
10 shares United R.R. of N. Jersey & Canal Co. 
St. Louis, Iron Mountain & Southern R R. b'ds 
Wabash Railroad bonds, .... 
Cleve., Cin., Chic. & St. Louis Railway bonds 
Missouri Pacific Railway bonds, 
100 shares St. Louis, Alton & Terre Haute R.R. 
Rio Grande Western Railway bonds, 
Pleasant Valley Coal Company bonds, . 
St. Paul, Minn. & Manitoba Railway bonds, 
Missouri, Kansas & Texas Railway bonds, 
1,000 shares N. Y., Lake Erie & Western R.R. 
200 " Lake Erie & Western Railroad, 
700 " Chic, St. P., Minn. & Omaha R.R 
100 " Chicago & Northwestern Rail way 
Illinois Central Railway bonds, 

500 shares Illinois Central Railway stock, 
4,000 " Western Union Telegraph Co., 
100 " Morris & Essex Railroad, 
50 " Consolidated Gas Co., New York 
4 " Importers 1 and Traders 1 Bank, 
10 " Union Trust Company, 
Union Pacific Railway bonds, . 
Denver & Rio Grande Railroad bonds, . 
International & Great Northern Railroad b^s 
416 shares Wagner Palace Car Company, 
Oregon Railway & Navigation Co. bonds, 
200 shares Cleve., Cin., Chic & St. Louis R'y 
40 " Columbia Bank of New York, 
15 " Chicago, Milwaukee & St. Paul R'y 
100 " Chicago Gas Company, . 
50 " New York & Harlem Railroad, 



$70,875 00 



Market Value. Loaned Thereon. 

$11,000 00 ^ 
11,000 00 
300 Oo 
1,300 00 
7,000 00 
1,900 00 
1,200 00 
9,700 00 
7,000 00 
14,200 00 
1,000 00 
400 00 
400 00 [ 
100 00 
200 00 
400 00 
200 00 
2,300 00 
700 00 
1,000 00 
7,600 00 
7,200 00 
1,800 00 
2,700 00 
1,900 00 J 
60,000 00^ 
26,400 00 
14,000 00 
12,400 00 
23,100 00 
9,800 00 
212,800 00 
45,000 00 
328,000 00 
7,500 00^ 
6,100 00 
2,000 00 
7,000 00 
4,100 00 
6,000 00 
1,800 00 
58,000 00 
2,000 00 
6,800 00 
10,000 00 
1,700 00 
6,100 00 
6,200 00 J 



y 100,000 oo 

200,000 00 
200,000 00 



} 100,000 00 



94 



THE MANHATTAN LIFE INSURANCE CO. 



Chicago & Eastern Illinois Railroad bonds, 
Duluth & Iron Range Railroad bonds, 
200 shares Chicago & Eastern Illinois R.R., 
Chicago, St. Paul, Minn. & Omaha R'y bonds 
Burlington, Cedar Rapids & Northern R'y Irds 
Chicago, Rock Island & Pacific Railway b'ds, 

300 shares Chicago & Eastern Illinois R.R., 
1,000 " Delaware, Lack. & Western R.R. 

700 " Central Railroad of New Jersey 

100 " Rio Grande Western Railway, 

100 " St. Louis, Alton & T. Haute R.R. 
Phila., Harrisburg & Pittsburgh R.R. bonds, 
100 shares Pitts., Cin., Chic. & St. Louis Ry, 
100 " St. Louis, Alton & T. Haute R.R., 

25 " Forty-second St. & Grand St. F. R'y 
Columbus, Hocking Valley & Toledo Railway 
75 shares Manhattan Railway, . 
Missouri, Kansas & Texas Railway, 

10 shares Union Trust Company, Xew York 
100 " Chicago, Milwaukee & St. Paul Ry 

25 " Pullman Palace Car Company, 
Cleve., Cin., Chic. & St. Louis R'y bonds, 
100 shares St, Paul & Duluth Railroad, . 

Excess of loan over market value, . 

Schedule B. 



100,000 00 



Market Value. Loaned Thereon. 

$24,700 00 ) 
28,800 00 j 
10,000 00 I 

0,100 00 )> ?100,000 00 

9,500 00 j 
32,200 00 
28,800 00 ; 
80,500 00 
77,700 00 

3,500 001 

1,800 00 
13,500 00 

1,000 00 
13,500 00 

7,500 00 

1,700 00 

9,100 00 

2,200 00 

7,000 00 
11,600 00 

4,000 00 

5,700 00 

8,000 00 J 



)> 68,000 00 



83,512,500 00 $2,427,289 92 
7,012 50 



Stocks and Bonds owned by the Company. 

Cost Value. 

United States bonds, §118,098 70 

Virginia State bonds, 

Virginia State bonds, 4,500 00 

Mississippi State bonds, 10,000 00 

Lake Shore & Michigan Southern R.R. bonds, 478,193 92 

Central Park, North & East Riv. R.R. bonds, . 115,325 00 

Harlem River & Port Chester R.R. bonds, . 102,500 00 

Union Pacific Railroad bonds, .... 57,968 17 

Escanaba & Lake Superior Railroad bonds, . 34,800 00 

Albany & Susquehanna Railroad bonds, . . 59,000 00 

Ohio & Mississippi Railroad bonds, . . 58,000 00 

Missouri Pacific Railroad bonds, . . . 111,250 00 

50 shares Bank of Commerce, N.Y., . . 4,460 00 

Xew York, Susq. & Western R.R. bonds, . 101,138 89 

Dakota & Great Southern bonds, . . . 100,000 00 

Morgan's Louis. & Tex. R.R. & S. S. Co. bonds, 70,805 28 

Sewer & Drainage Cert, of New Rochelle, N. Y ., 71,000 00 

Town of Danville, Virginia, bond, . . . 10,250 00 



82,420,277 42 



Market Value. 

£ 129,950 00 

14,896 00 

931 00 

10,000 00 

486,000 00 

115,325 00 

104,000 00 

52,625 00 

33,150 00 

58,750 00 

56,500 00 

94,000 00 

9,000 00 

107,500 00 

105,000 00 

72,800 00 

71,000 00 

10,250 00 



METROPOLITAN LIFE INSURANCE CO. 



95 



Beech Creek Railroad bonds, . 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago, Milwaukee & St. Paul R'y bonds, 
Denver & Rio Grande Railroad bonds, . 
Louisville, St. Louis & Texas Railway bonds, 
Morris & Essex Railroad bonds, 
New York, Lake Erie & Western R.R. bonds 
Third Avenue Railroad bond, . 
Burlington, Cedar Rapids & Northern R.R. b'ds 
Chicago & Eastern Illinois Railroad bonds, 
Cinn., Ind., St. Louis & Chicago R.R. bonds, 
Central Railroad Co. of New Jersey bonds, 
Lehigh Valley Railroad bonds, 
Missouri, Kansas & Texas bonds, . 
Monongfahela Railroad bonds, 
Philadelphia & Reading Railroad bonds, 
Equitable Gas Light Co., N. Y., bonds, . 



Cost Value. 

$97,500 00 

86,000 00 

79,389 17 

78,000 00 

13,557 50 

136,500 00 

119,513 89 

110,000 00 

50,718 89 

96,958 34 

94,522 22 

27,628 48 

43,050 00 

80,317 76 

50,770 84 

88,447 22 

211,250 00 



Market Value. 

§103,000 00 

88,000 00 

85,050 00 

77,500 00 

9,000 00 

140,000 00 

124,000 00 

115,000 00 

50,625 00 

99,000 00 

92,000 00 

28,250 00 

42,200 00 

78,000 00 

52,250 00 

68,500 00 

214,500 00 



$2,971,414 27 $2,998,552 00 



"METROPOLITAN LIFE INSURANCE COMPANY," NEW 

YORK, N. Y. 

[Incorporated June, 1866. Commenced business January, 1867.] 

Paid-up Capital, $2,000,000. 

Johx R. Hegeman, President. George H. Gaston, Secretary. 

Income. 
Total premium income (notes, $3,095.69), 

Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 
agents' deposits, 



$14,361,213 67 

698,926 46 

3,062 72 

126,836 90 

26,196 90 



Total income, 



$15,216,236 65 



Net or ledger assets Dec. 31, 1892, 16,272,840 68 

Total, 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, 

Gross amount paid for losses and endowments, 
Cash paid for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered poli 

cies, and voided by lapse, 

Cash dividends paid policy-holders, .... 

Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 



$31,489,077 33 



$5,533,109 58 
2,010 51 

$5,535,120 09 
208,378 08 

4,435 54 
30,220 55 
15,552 82 

$5,793,707 08 



96 



METROPOLITAN LIFE INSURANCE CO. 



Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of agents 
for medical examiners 1 fees, . 
for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for commuting commissions, . 

for furniture and office fixtures, 

for advertising and supplies, . 

for legal expenses and fire insurance, 

for incidentals, ...... 

Total disbursements, 

Balance, 



|140,000 00 
2,214,624 63 

1,283,169 73 

257,971' 

459,937 

143,271 95 

68,327 18 

1,517,777 98 

49,159 20 

213,027 04 

46,754 27 

242,451 87 



$12,430,087 70 



$19,058,989 63 



Invested in the following: : — 



Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on company's policies assigned as collateral, 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule A), 
Cash in office and in bank, 

Ledger assets (as per balance), 
Deduct depreciation from cost of assets, . 

Total net or ledger assets, 



$4,624,382 57 

9,294,850 00 

8,201 25 

89,968 42 

4,840,681 75 

200,905 64 



$19,058,989 63 
89,879 25 



$18,969,110 38 



Other Assets. 

Interest due and accrued, 

Rents due and accrued, 

Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), 

Net am't of uncollected and deferred prem's, . 

Total assets per company's books, . 



$143,847 75 
91,912 57 

$235,760 32 
47,152 06 



179,821 11 
6,165 31 



188,608 26 



$19,343,705 06 



Items not admitted. 
Deduct special deposits in other States, . 

Balance, 



134,905 00 



$19,208,800 06 



METROPOLITAN LITE INSURANCE CO. 



97 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . 

Policy claims unpaid, 

Unpaid dividends of surplus due policy-holders, 
Agents' deposits and premiums paid in advance, . 
Special reserve, 



Liabilities as to policy-holders, 
Deduct liabilities on special deposits, 



Surplus as regards policy-holders, . 
Paid-up capital, . 

Surplus over capital, 



814,998,083 00 

85,448 99 

34,473 66 

90,265 49 

1,440,367 00 



$16,648,638 14 
101,583 00 



$2,661,744 92 



$16,547,055 14 

2,000,000 00 
661,744 92 



Gross liabilities, 



$19,208,800 06 



Premium Note Account. 

Premium notes on hand Dec. 31, 1892, . . $108,871 60 

Premium notes received during 1893, . . 3,095 69 

Total, $111,967 29 

Used in payment of losses and claims, . . $2,010 51 
Used in payment of surrendered policies and 

voided by lapse, 4,435 54 

Used in payment of dividends to policy-holders, 15,552 82 

Total, 21,998 87 

Balance note assets Dec. 31, 1893, $89,968 42 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1892. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 4,016 $4,778,727 00 
Endowment, . . . 305 331,435 00 

All other 125 206,138 00 

4,446 $5,316,300 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

. 4,293 $4,657,873 00 
811 964,783 00 

382 501,000 00 



5,486 6,123,656 00 



Total, 



9,932 $11,439,956 00 



98 



METROPOLITAN LIFE INSURANCE CO. 



Policies terminated during the Year. 

Number. Amount. Total No. 

Whole life, . . . 1,518 $1,841,400 00 
Endowment, ... 165 190,000 00 

All other, .... 87 149,085 00 



Total Amount. 



1,770 82,180,485 00 
How terminated. 



By death, . 

expiry, 

surrender, . 

lapse, . 

change and decrease, 
Not taken, . 



139 
10 

429 

1,125 

22 

45 



$168,091 00 

21,790 00 

596,354 00 

1,219,250 00 

36,000 00 

139,000 00 



Whole life, 
Endowment, 
All other, . 



1,770 $2,180,485 00 



Policies in Force Dec. 31, 1893. 
. 6,791 $7,595,200 00 
951 1,106,218 00 
420 558,053 00 



Industrial policies in force, 



8,162 
2,932,064 



$9,259,471 00 
343,917,746 00 



Schedule A. 

Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

United States bonds, $121,924 18 $126,620 00 

New York City consolidated stock, . . . 100,125 00 90,000 00 

American Surety Co. stock, New York, . . 19,650 00 19,500 00 

Farmers 1 Loan and Trust Co stock, Xew York, 26,731 25 23,625 00 

Franklin Trust Company stock, Brooklyn, . 40,080 50 36,750 00 

Hamilton Trust Co. stock, Brooklyn, . . 64,265 00 63,270 00 

People's Trust Co. stock, Brooklyn, . . . 5,015 00 4,900 00 

Thames National Bank stock, Norwich, Conn., 26,535 00 27,450 00 

Akron & Chicago Junction Railroad bonds, . 99,750 00 101,000 00 

Baltimore & Ohio Railroad bonds, . . . 54,000 00 57,000 00 

Baltimore Belt Railroad bonds, . . . 101,250 00 99,000 00 

Baltimore & Ohio Equipment Railroad bonds, 25,000 00 25,000 00 

Beech Creek Railroad bonds, .... 46,250 00 46,500 00 

Canadian Pacific Railroad bonds, . . . 113,104 15 123,600 00 

Central Ohio Railroad bonds, .... 102,500 00 102,000 00 

Cleveland, Col., Cin. & Ind. Railroad bonds, . 33,965 00 36,540 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 142,612 50 143,595 00 

Chicago & Eastern Illinois Railroad bonds, . 57,527 50 57,250 00 

Chicago & Indiana Coal Railroad bonds, . . 46,218 75 49,000 00 

Chicago & Western Indiana Railroad bonds, . 77,125 00 77,050 00 

Columbus & Toledo Railroad bonds, . . 26,950 00 25,740 00 

Chicago, Burlington & Northern R.R. bonds, . 52,682 50 51,000 00 

Canada Southern Railroad bonds, . . . 107,999 24 109,000 00 



METROPOLITAN LIFE INSURANCE CO. 



99 



Central of New Jersey Railroad bonds, . 
Cin., Sandusky & Cleveland Railroad bonds, 
Chicago, Rock Island & Pacific R.R. bonds, 
Car., Waterfn & Sacketts Har. R.R. bonds, 
Columbus Con. & Terminal Co. bonds, . 
Cleveland, Cin., Chic. & St. Louis R.R. bonds, 
Detroit, Bay City & Alpena Railroad bonds, 
Duluth & Iron Range Railroad bonds, 
Ellwood Short Line Railroad bonds, 
Fremont, Elkhorn & Miss. Valley R.R. bonds 
Hannibal & St. Joseph Railroad bonds, . 
Illinois Central Railroad bonds, 
Louisville, N. Albany & Chicago R.R. bonds, 
Lake Erie & Western Railroad bonds, 
Lincoln (Neb.) Street Railway Co. bonds, 
Michigan Central Railroad bonds, . 
Morgan's La. & Texas R.R. and S.S. Co. bonds, 
Missouri Pacific Railroad bonds, 
Milwaukee, Lake Shore & West. R.R. bonds, 
Mobile & Girard Railroad bonds, 
Minneapolis & St. Louis Railroad bonds, 
Northern Illinois Railroad bonds, . 
N. W. Telegraph stock, .... 
Northern Pacific Railroad bonds, 
New York City Suburban Water Co. bonds, 
Omaha Horse Railway bonds, . 
Ohio River Railroad bonds, 
Pacific of Missouri Railroad bonds, 
Rochester Gas & Electric bonds, 
St. Joseph & Grand Island Railroad bonds, 
St. Paul & Northern Pacific Railroad bonds, 
St. Louis, Iron Mount. & South. R.R. bonds, 
Sharon (Pennsylvania) Railway stock, . 
Sioux City (Iowa) Street Railway bonds, 
St. Louis, Kansas City & North. R.R. bonds, 
St. Paul City R'way Co. Cable consol. bonds 
Third Avenue, New York City, R.R. bonds, 
Toledo, Ann Arbor & Gr. Trunk R.R. bonds, 
Toledo & Ohio Central R.R. Car Trust, . 
Terre Haute & Indianapolis Railroad bonds, 
Ulster & Delaware Railroad bonds, . 
Union Pacific Railroad bonds, . 
Western New York & Penn. R.R. bonds, 
Wabash Railroad bonds, . 
Western Transit Co. bonds, 
West Side Railroad, Milwaukee, bonds, 
Virginia Century bonds, . 



Cost Value. 

$100,750 00 
79,000 00 
26,968 75 

310,875 00 
44,532 50 

134,250 00 
52,968 75 
28,364 16 
23,687 50 
77,229 37 
30,386 25 
97,750 00 
75,720 00 

145,438 07 
27,000 00 
98,000 00 
26,750 00 
56,312 50 
30,093 75 
45,000 00 
29,500 00 
26,750 00 
15,450 00 
47,000 00 
19,475 00 
15,000 00 
94,750 00 

214,750 00 
52,020 00 
52,781 25 
58,692 50 
50,375 00 
21,000 00 
4,500 00 
85,860 00 
52,250 00 

166,125 00 
26,437 50 

204,470 00 
25,625 00 

149,625 00 
98,125 00 
62,500 00 

153,208 33 
51,750 00 
49,875 00 
10,450 00 



Market Value. 

$113,000 00 
79,500 00 
24,937 50 

300,000 00 
42,300 00 

135,000 00 
28,750 00 
29,915 00 
25,000 00 
78,080 00 
29,250 00 
95,000 00 
77,000 00 

156,250 00 
25,650 00 
99,000 00 
28,250 00 
47,000 00 
31,250 00 
37,500 00 
28,750 00 
26,250 00 
15,300 00 
43,900 00 
17,480 00 
15,750 00 
98,000 00 

223,500 00 
51,000 00 
34,000 00 
57,000 00 
51,000 00 
20,800 00 
3,750 00 
85,050 00 
46,750 00 

169,500 00 
22,500 00 

202,000 00 
26,750 00 

150,000 00 

107,800 00 
10,750 00 

153,000 00 
51,000 00 
50,000 00 
11,200 00 



$4*840,681 75 $4,750,802 50 



100 THE MUTUAL LIFE INSURANCE CO. OF NEW YORK. 



"THE MUTUAL LIFE INSURANCE COMPANY OF NEW YORK,' 1 

NEW YORK, N. Y. 

[Incorporated April, 1842. Commenced business February, 1843.] 

Richard A. McCurdy, President. William J. Eastox, Secretary. 



Income. 

Cash received for premiums on new policies, . 
Cash received for renewal premiums, 
Premiums paid by dividends, including additions, 
Premiums paid by surrendered policies, . 
Cash received for annuities, .... 



Total premium income, .... 
Cash received for interest, 
Cash received for rents of company's property, 



Total income, .... 
Ket or ledger assets Dec. 31, 1892, . 



65,141,926 12 

22,454,003 71 

2,988,735 61 

2,187,388 70 

821,683 84 



£33,594,337 98 

. 7,602,553 84 

756,253 86 



Total, 



$41,953,145 68 
165,202,954 00 

$207,156,099 68 



Disbursements. 

Cash paid for losses and additions, .... 
Cash paid for matured endowments and additions, . 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

Cash paid for surrendered policies, .... 
Surrender values applied in payment of premiums, 
Dividends applied in payment of premiums, . 

Total paid policy-holders, .... 

Cash paid for commissions to agents, 

for salaries and travelling expenses of agent 
for medical examiners' fees, ... 
for salaries of officers and office employees, 

for taxes and fees, 

for rent, . 

for advertising, . 

for salaries and expenses of law department 

for incidentals, 

for profit and loss account, 



Total disbursements, 



Balance, 



011,212,462 21 
. 1,927,206 56 



$13,139,668 77 
330,180 21 
. 2,239,499 11 
. 3,295,762 09 
. 1,880,362 

$20,885,472 40 
5,243,319 72 
827,776 05 
409,259 43 
497,741 28 
439,070 91 
140,000 00 
175,662 83 
222,801 01 
1,183,909 76 
345,026 48 



$30,370,039 87 



£176,786,059 81 



THE MUTUAL LIFE INSURANCE CO. OF NEW YORK. 101 



Invested in the following : — 



Assets as per Ledger Accounts 

Value of real estate, 

Loans on mortgage of real estate (first liens), 

Loans on collateral security (schedule A), 

Book value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Agents 1 ledger balances, . . . . ' . 
Commuted commissions, 

Ledger assets (as per balance), 



$18,089,918 69 

70,729,938 93 

7,497,200 00 

68,745,465 48 

9,768 38 

10,834,923 34 

131,500 37 

747,344 62 

.76,786,059 81 



Other Assets. 

Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds, over book, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent), . 

Net ain't of uncollected and deferred prem's, 

Uncollected payments on annuities, . 

Total assets per company's books, . 



$2,205,393 65 

2,260,328 09 

|4,465,721 74 

893,144 35 



1,153,183 18 

83,500 55 

4,190,856 93 



- 3,572,577 39 
28,357 93 

$185,814,535 79 



Items not admitted. 

Commuted commissions, $747,344 62 

Agents' balances, 131,500 37 

Total, 878,844 99 



Total admitted assets, 
Deduct special deposits in other States, . 

Balance, 



$184,935,690 80 
2,775,306 19 

$182,160,384 61 



Liabilities 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent), . . . $168,221,916 00 

Death losses and matured endowments in proc- 
ess of adjustment, $749,455 83 

Claims resisted by the company, . . . 360,730 00 

Due and unpaid on annuity claims, . . . 32,894 45 

Total policy claims, 1,143,080 28 



102 THE MUTUAL LIFE INSURANCE CO. OF NEW YORK. 



Premiums paid in advance, $68,766 60 

Liability under non-forfeiture clause, 412,105 00 



Liabilities as to policy-holders, 
Deduct liabilities on special deposits, 



Surplus as regards policy-holders, . 
Gross liabilities, 



$169,845,867 88 
2,775,306 19 



$167,070,561 69 
. 15,089,822 92 

§182,160,384 61 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1892. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 197,382 $586,800,384 00 
Endowment, . . . 49,249 131,549,160 00 
All other, .... 19 223,040 00 

Reversionary additions, . - 27,207,499 00 

246,650 $745,780,083 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Tear. 

. 53,410 $150,649,361 00 
. 13,685 31,749,953 00 
5 2,954,146 00 
67,100 



185,353,460 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

7,469 $20,437,978 00 

1,679 3,754,444 00 

2 34,809 00 



9,150 24,227,231 00 



Old Policies changed and increased. 

Whole life, ... 78 $1,964,007 00 

Endowment, ... 41 715,919 00 

All other, .... - 166,233 00 

119 



Total, 



2,846,159 00 



323,019 $958,206,933 00 



Policies terminated during the Year. 
Whole life, . . . 39,031 $122,125,454 00 
Endowment, . . . 10,772 29,249,538 00 
All other, .... 3 3,964,463 00 



49,806 $155,339,455 00 



THE MUTUAL LIFE INSURANCE CO. OF NEW YORK. 103 





How terminated. 




Number. 


Amount. Total No. Total Amount. 


By death, . 


. 3,326 


$11,901,966 00 


maturity, 


791 


1,964,279 00 


expiry, 


107 


262,714 00 


surrender, . 


. 6,953 


24,464,505 00 


lapse, . 


. 21,311 


59,170,813 00 


change and decree 


ise, . 118 


6,041,160 00 


Not taken, 


. 17,200 


51,534,018 00 

. - 49.8flfi «155.33Q 455 f 



Policies in Force Dec. 31, 1893. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



. 219,308 $637,726,276 00 

. 53,882 138,519,938 00 

23 248,371 00 

26,372,893 00 



273,213 $802,867,478 00 



Schedule A. 
Securities held as Collateral. 

Market Value. 

$18,000 00 
103,550 00 



Georgia Railroad & Banking Co. stock, 

State of Georgia bonds, . 

Cincinnati, Hamilton & Dayton bonds, 

State of Tennessee bonds, 

Ohio Valley Railroad bonds, . 

Nassau Gas Co. (Brooklyn) stock, . 

Title Guarantee & Trust Co. stock, . 

Long Island Loan & Trust Co. stock, 

Brooklyn City Railroad stock, . 

Pittsburgh, Cleveland & Toledo bonds, 

St. Louis, Iron Mountain & Southern bonds, 

Louisiana National Bank, New Orleans, stock 

Alabama Trust & Savings Co., B'gham, stock 

Delaware & Hudson Canal Co. stock, 

Lake Shore & Michigan Southern R.R. stock 

Cleveland, Cin., Chicago & St. L. R.R. stock 

Chicago, Rock Island & Pacific R.R. stock, 

Western Union Telegraph Co. stock, 

New York Central & Hudson River R.R. stock 

Central R.R. of New Jersey bonds, 

Lake Shore & Michigan Southern bonds, 

Clev., Columbus, Cin. & Indianapolis bonds, 

Rutland Railroad stock, .... 

Southern Pacific of California bonds, 

Equitable Gas Light Co. bonds, 

Chesapeake & Ohio Railroad bonds, 

Edison Electric Illuminating Co., N. Y., stock 



18,000 00 

4,320 00 

80,000 00 

5,250 00 

25,670 00 

17,200 00 

1,600 00 

1,050 00 

720 00 

6,683 00 

1,000 00 

26,000 00 

12,000 00 

8,500 00 

6,930 00 

4,100 00 

485 00 

7,700 00 

1,220 00 

1,130 00 

34,500 00 

51,500 00 

160,500 00 

25,500 00 

135,800 00 



} 



Loaned Thereon. 

$10,000 00 

100,000 00 

45,000 00 



}> 40,000 00 



6,000 00 



J> 50,000 00 



20,000 00 
25,000 00 

150,000 00 
100,000 00 



104 THE MUTUAL LIFE INSURANCE CO. OF NEW YORK. 



Laclede Gas Light Co., St. Louis, Mo., bonds, 
Canada Southern Railroad bonds, . 
South Georgia & Florida Railroad bonds, 
Jersey City 1904 bonds, .... 
St. L., Iron Mountain & Southern R.R. bonds 
Chicago & Northwestern Railroad bonds, 
Mobile & Ohio Railroad bonds, 
Mobile & Ohio Railroad bonds, 
"Western North Carolina Railroad bonds, 
American Sugar Refining Co. stock, 
Mutual Life Insurance Co. policies, . 
St. Joseph Traction & Lighting Co. bonds, 
Cleveland & Canton R.R. bonds, 
Canada Southern Railroad bonds, . 
International & Great Northern R.R. bonds, 
St. Joseph Traction & Lighting Co. bonds, 
Canada Southern bonds, .... 
Cleveland & Canton Railroad bonds, 
International & Great Northern R.R. bonds, 
Michigan Central Railroad stock, 
Providence & Stonington Steamship Co. stock 
Continental Fire Insurance Co. stock, 
Canada Southern Railroad stock, 
Chicago, Rock Island & Pacific R.R. bonds, 
New York, Chicago & St. Louis R.R. bonds, 
Union Railway of New York bonds, 
Chicago, Rock Island & Pacific R.R. bonds, 
Bur., Cedar Rapids & Nor. Railroad bonds, 
Mt. Arlington, N. J., bonds, 
Duluth & Iron Range Railroad bonds, 
Pittsburgh, Cinn., Chic. & St. Louis R.R. bonds 
Chicago, Burlington & Quincy R.R. bonds, 
Virginia Midland Railroad bonds, . 
Chesapeake & Ohio Railroad bonds, 
Lehigh & Wilkesbarre Railroad bonds, . 
Lake Shore & Michigan Southern R.R. stock 
Manhattan Railway stock, 
Brooklyn City Railroad stock, . 
Lake Shore & Michigan Southern R.R. stock 
Laclede Gas Light Co., St. Louis, bonds, 
East River Gas Co. bonds, ... 
Evansville & Indianapolis bonds, . 
N. Y., Lack. & Western Terml. & Imp. bonds 
Chesapeake & Ohio R.R. bonds, 
United States reg. bonds, .... 
Elizabeth, N. J., bonds, .... 
International Bell Telephone Co. stock, . 
Frank Jones Brewing Co. bonds, 



Market Value. 

$76,000 00 
5.450 00 ^ 
5,450 00 
3,300 00 
2,040 00 
5,450 00 
:0 00 
3,360 00 

24,000 00 

25,200 00 
500,000 00 

51,000 00 >| 
6,400 00 
9,810 00 i 
1,100 00 J 

54,000 00 n 



Loaned Thereon. 
0,000 00 



24,000 00 

17,000 00 
400,000 00 

\ 40,000 00 



13,080 00 



2,400 00 I 

1,100 00 J 

9,700 00 > 

8,320 00 

9,000 00 

4,700 00 

49,500 00 

*40 00 

9,2' 
18,050 00 
15,0' 
25,92 
20,000 00 

2,440 00 
•0 00 

2,130 00 
10,500 00 J 
108,000 00 
12,200 00 
47.434 67 
60,000 00 

3,200 00 

4,400 00 
19,000 00 

4,000 00 
10,200 00 

2,250 00 J 

900 00 

11,100 00 

494,955 00 



)> 40,000 00 



J> 200,000 00 



100,000 00 



}> 125,000 00 



600 00 

5,000 00 

350,000 00 



THE MUTUAL LIFE INSUKANCE CO. OF NEW YORK. 



105 



Bond & Mortgage Guarantee. Co. stock, . 
Manufacturers' National B'k, Brooklyn, stock, 

Atlantic Trust Co. stock, 

New York, New Haven & Hart. R.R. stock, 

Providence & Stonington Steamship Co. stock 

Manhattan Railway bonds, 

Chicago, Rock Island & Pacific R.R. stock, 

Missouri Pacific Railroad bonds, 

Missouri, Kansas & Texas Railroad bonds, 

Chesapeake & Ohio Railroad bonds, 

Chicago & Eastern 111. Railroad bonds, . 

Chicago, St. Louis & N. Orleans R.R. bonds, 

Northern Pacific Railroad bonds, 

Chicago, Mil. & St. Paul Railroad bonds, 

Union Pacific Railroad bonds, . 

Missouri, Kansas & Texas Railroad bonds, 

Columbus, Hocking Val. & Toledo R.R. bonds 

Chicago, Rock Island & Pacific R.R. bonds, 

St. Paul, Minn. & Manitoba, Dak., bonds, 

Chicago, Mil. & St. Paul Railroad bonds, 

St. Paul, Minn. & Manitoba bonds, . 

N.Y., Lake Erie & Western Railroad bonds, 

Chicago & Northwestern Railroad stock, 

Chicago & Eastern Illinois Railroad stock, 

Consolidated Gas Co. stock, 

Cleveland, Cin., Chic. & St. Louis R.R. stock, 

Nor. Pacific Land Grant bonds, 

Chicago, St. Paul, Minn. & Omaha stock, 

St. Paul, Minn. & Manitoba Railroad stock, 

Consolidated Gas Co. stock, 

Morris & Essex Railroad stock, 

Morris & Essex Railroad bonds, 

Chicago, Milwaukee & St. Paul R.R. stock, 

Canada Southern Railroad stock, 

Chicago & Northwestern Railroad stock, 

Chicago, Rock Island & Pacific R.R. stock, 

Metropolitan Elevated bonds, . 

Long Island Railroad stock, 

Cleveland, Cin., Chicago & St. Louis stock, 

Farmers 1 Loan & Trust Co. stock, . 

Columbus, Hocking Valley & Toledo bonds, 

Canada Southern Railroad bonds, . 

Escanaba & Lake Superior R.R. bonds, . 

Detroit, Monroe & Toledo Railroad bonds, 

Tennessee Coal & Iron Co. bonds, . 

Buffalo & Erie Railroad bonds, . . 

Hamilton Trust Company stock, 

Kings County Trust Company stock, 



Market Value. 

$10,500 00 > 
6,000 00 
5,875 00 J 
129,200 00 > 
13,000 00 | 
4,600 00 J 
6,300 00>| 
20,800 00 
23,400 00 
35,500 00 } 
24,500 00 
3,270 00 
10,700 00 J 
36,160 001 
20,750 00 
19,500 00 
35,280 00 
23,920 00 J- 
17,400 00 
12,100 00 
2,340 00 
13,200 00 J 
13,600 001 
19,000 00 j 
12,300 00 } 
8,500 00 I 
69,550 00 J 
64,800 001 
10,200 00 I 
24,600 00 I 
7,500 00 I 
11,900 00 j 
34,950 00 
4,700 00 
13,600 00 )► 
6,300 00 I 
1,070 00 j 
10,000 001 
8,500 00 
12,950 00 
3,360 00 
10,200 00 >> 
11,000 00 
6,350 00 
3,200 00 
1,110 00 
15,000^00 
13,250 00 



Loaned Thereon. 

$15,000 00 
125,000 00 



100,000 00 



150,000 00 



100,000 00 



100,000 00 



50,000 00 



50,000 00 



23,500 00 



106 THE MUTUAL LIFE INSURANCE CO. OF NEW YORK. 



Cleveland, Cin., Chicago & St. L. R.R. stock, 

Chicago, Rock Island & Pacific R.R. stock, 

Chicago & Northwestern Railroad stock, 

Rome, Watertown & Ogdensburg R.R. stock, 

Illinois Central Railroad stock, 

Farmers' Loan & Trust Co. stock, . 

Columbus, Hocking Valley & Toledo bonds, 

Oregon Short Line & Utah North. R.R. bonds 

Canada Southern bonds, .... 

Cleveland, Cin., Chicago & St. L. R.R. stock, 

Canada Southern Railroad stock, 

New York Cent. & Hudson River R.R. stock, 

Cleveland, Cin., Chicago & St. L. R.R. stock, 

Brooklyn City Railroad stock, . 

Columbus, Hocking Valley & Toledo bonds, 

Pennsylvania Co. bonds, .... 

St. Louis, Alton & Terre Haute R.R. bonds, 

Morris & Essex Railroad bonds, 

Chicago & Alton R.R. stock, . 

Chicago, Rock Island & Pacific R.R. stock, 

Chicago & Northwestern R.R. stock, 

Rio Grande Western R.R. bonds, 

St. Louis, Iron Mountain & Southern bonds, 

St. Louis, Kansas City & Northern bonds, 

Richmond & Danville Railroad bonds, . 

Jackson County, Mo., bonds, . 

Wilson County, Kan., bonds, . 

Shawnee County, Kan., bonds, 

Cloud County, Kan., bonds, 

Coffey County, Kan., bonds, 

Sheridan Township, Kan., bonds, . 

Baker Township, Kan., bonds, . 

Ottawa County, Kan., bonds, . 

Atlantic Trust Co. stock, .... 

Morris & Essex Railroad stock, 

Title Guarantee & Trust Company stock, 

Brooklyn Trust Company stock, 

Canada Southern Railroad bonds, . 

Chicago & Indiana Coal Company bonds, 

Mahoning Coal Railroad bonds, 

Delaware and Hudson Canal Company stock, 

Central Trust Company stock, 

Brooklyn Trust Company stock, 

Franklin Trust Company stock, 

Central Trust Company stock, 

Union Railway of New York bonds, 

Troy City Railway Company bonds, 



Market Value. 

$10,200 00 

12,600 00 

4,850 00 

1,090 00 

1,530 00 

9,800 00 

13,050 00 

4,800 00 

5,100 00 

8,500 00 

9,400 00 

4,365 00 

3,500 00 

6,400 00 

21,750 00 

5,450 00 

1,030 00 

14,000 00 

52,000 00 

57,960 00 

1,940 00 

3,250 00 

1,440 00 

1,050 00 

3,180 00 

5,500 00 

3,300 00 

2,100 00 

9,200 00 

4,400 00 

2,500 00 

1,000 00 

8,050 00 

11,750 00 

7,500 00 

17,000 00 

20,000 00 

5,450 00 

980 00 

5,450 00 

247,000 00 

285,000 00 

90,000 00 

18,750 00 

380,000 00 

51,500 00 

100,000 00 



Loaned Thereon. 



} $50,000 00 



l 50,000 00 



8,000 00 



}> 100,000 00 



j 



} 30,100 00 



9,500 00 
5,000 00 

25,000 00 

5,000 00 

2,500 00 
200,000 00 

325,000 00 



350,000 00 



THE MUTUAL LIFE INSURANCE CO. OF NEW YORK. 107 



Northern Railway of California bonds, . 
Southern Pacific of California bonds, 
Southern Pacific of New Mexico bonds, . 
Southern Pacific of Arizona bonds, . 
San Antonio & Aransas Pass bonds, 
Northern Railway of California bonds, . 
Southern Pacific of California bonds, 
Southern Pacific of New Mexico bonds, . 
Southern Pacific of Arizona bonds, . 
San Antonio & Aransas Pass bonds, 
Northern Railway of California bonds, . 
Southern Pacific of California bonds, 
Southern Pacific of Arizona bonds, . 
Southern Pacific of New Mexico bonds, . 
San Antonio & Aransas Pass bonds, 
Georgia Railroad & Banking Company stock, 
Savannah, Florida & Western bonds, 
Missouri Pacific Railroad bonds, 
East Tennessee, Virginia & Georgia bonds, 
Minneapolis & St. Louis Railroad bonds, 
South Carolina Railroad bonds, 
International & Great Northern bonds, . 
Wabash Railroad bonds, .... 
Bank of New York stock, 
Richmond & Danville cons, bonds, . 
East Tennessee, Ya. & Georgia cons, bonds, 
Chicago, Milwaukee & St. Paul bonds, . 
Texas & Pacific Railroad bonds, 
Oswego & Rome Railroad bonds, 
Chicago, Milwaukee & St. Paul R.R. stock, 
Chicago & Northwestern Railroad stock, 
Chicago, Burlington & Quincy Railroad stock 
Chicago, Rock Island & Pacific Railroad stock 
First National Bank, New York, stock, . 
Central Railroad of New Jersey stock, . 
Forty-Second St., Man. & St. Nich. Ave. bonds, 
Cleveland & Marietta Railroad bonds, . 
Lehigh Valley Railroad bonds, 
Burlington, Cedar Rapids & Northern bonds, 
Rome, Watertown & Odgensburg bonds, 
Cincinnati & Springfield Railroad bonds, 
West Virginia & Pittsburgh bonds, 
Laclede Gas Light Company, St. Louis, bonds 
Columbus & Toledo Railroad bonds, 
Chicago, Milwaukee & St. Paul bonds, . 
Evansville & Richmond Railroad bonds, 



Market Value. 

$315,000 00 

178,000 00 

95,000 00 

94,000 00 

32,500 00 

315,000 00 

133,500 00 

95,000 00 

94,000 00 

72,500 00 

270,000 00 

178,000 00 

94,000 00 

142,500 00 

32,500 00 

136,200 00 

252,000 00 

9,200 00 

9,350 00 

7,980 00 

10,800 00 

14,300 00 

9,360 00 

5,625 00 

10,600 00 

2,550 00 

1,130 00 

720 00 

3,240 00 

11,650 00 

13,600 00 

3,700 00 

6,300 00 

600,000 00 

330,000 00 

5,500 00 

5,500 00 

2,100 00 

2,850 00 

7,910 00 

5,750 00 

5,000 00 

1,600 00 

2,400 00 

2,260 00 

900 00 



Loaned Thereon. 

1 
I 

\ $500,000 00 



J 



)> 500,000 00 
I 
J 

} 500,000 00 



95,000 00 
200,000 00 



)> 50,000 00 



} 20,000 00 



S 16,000 00 

5,000 00 
I 300,000 00 

[ 25,000 00 



1 
} 6,000 00 



108 THE MUTUAL LIFE INSURANCE CO. OF NEW YORK. 



Chicago, Milwaukee & St. Paul bonds, . 
Edison Electric Illuminating Company bonds 
Pittsburgh & Western Railroad bonds, . 
Chesapeake & Ohio Railroad bonds, 
Chesapeake & Ohio Railroad bonds, 
Chicago, Milwaukee & St. Paul genl. bonds 
Pitts., Cincinnati, Chic. & St. -Louis bonds, 
Chicago, Milwaukee & St. Paul genl. bonds 
Illinois Central Railroad bonds, 
Chesapeake & Ohio Railroad -bonds, 
Chicago, Milwaukee & St. Paul Railroad stock 
Lake Shore & Michigan Southern R.R. stock, 
Morris & Essex Railroad stock, 
Pitts., Cincinnati, Chicago & St. Louis bonds, 
Chicago, Rock Island & Pacific bonds, . 
Chesapeake & Ohio bonds, 
Lake Shore & Michigan Southern R.R. stock, 
Rensselaer & Saratoga Railroad stock, . 
Chicago, Milwaukee & St. Paul R.R. stock, 
Delaware & Hudson Canal Company stock, 
Chicago, Burlington & Quincy Railroad bonds 
Chicago, St. Paul, Minn. & Omaha bonds, 
Central Vermont Railroad Equipment bonds 
Central R.R. & Banking Co. of Georgia bonds 
Erie Railroad bonds, .... 

Louisville & Nashville bonds, . 
Chicago Junction Union Stock Yards bonds, 
Central Railroad of New Jersey bonds, . 
Michigan Central Railroad bonds, . 
St. Louis, Iron Mountain & South'n R.R. bonds 
Lake Shore & Michigan Southern R.R. stock 
Chicago, Milwaukee & St. Paul R.R. stock, 
American Express Company stock, . 
Missouri Pacific Railroad bonds, 
Peoria, Decatur & Evansville bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Michigan Central Railroad bonds,^ . 
Milwaukee, Lake Shore & Western bonds, 
Erie Railroad 1st cons, bonds, . 
Wabash Railroad bonds, .... 
Texas & Pacific Railroad bonds, 
Illinois Central Railroad bonds, 
Chicago & Northwestern Railroad bonds, 
Pennsylvania Railroad stock, . 
Bank of New York stock, 
Union Trust Company stock, . 
Texas & Pacific Railroad bonds, 
Illinois Central Railroad bonds, 



Market Value. 

$88,350 001 
51,500 00 ' 



Loaned Thereon. 



80,000 00 
142,000 00 J 
191,700 00 
51,150 00 
80,000 00 ) 
41,850 00 S 
93,000 00 I 
28,400 00 S 
11,650 00 "J 
6,000 00 j 
150,000 00 )• 
5,000 00 | 
4,600 00 J 
5,400 00 
12,000 
35,000 00 
23,300 00 
14,300 00 
6,100 00 
5,950 00 
179,550 00 
42,180 00 
24,100 00 
9,450 00 
50 00 
5,500 00 
6,100 00 
3,600 00 J 
6,000 00 ^ 
11,650 00 
1,100 00 
3,680 00 
4,120 00 
1,940 00 
4,880 00 J- 
2,520 00 
13,200 00 
8,640 00 
720 00 
990 00 
1,060 00 J 
9,600 00^ 
22,500 00 j 
36,250 00 J 
25,200 00 I 
32,550 00 J 



} $300,000 00 



200,000 00 
100,000 00 
100,000 00 

150,000 00 
4,000 00 



} 300,000 00 



50,000 00 



100,000 00 



THE MUTUAL FIRE INSURANCE CO. OF NEW YORK. 109 



Pennsylvania Railroad stock, . 
Illinois Central Railroad bonds, 
Memphis & Charleston Railroad bonds, . 
East Tenn., Virginia & Georgia R.R. bonds, 
Pennsylvania Railroad stock, . 
State of Tennessee Settlement bonds, 
Illinois Central Railroad bonds, 



Schedule B. 



Market Value. Loaned Thereon. 

£4,800 00 "j 
79,050 00 ' 



56,000 00 



} $100,000 00 



8,000 00 J 
33,600 00 n 
46,080 00 i 
46,500 00 ) 



100,000 00 



$10,483,242 67 §7,497,200 00 



Stocks and Bonds owned by the Company. 



United States registered, . 

Austrian government rentes, 

British consols, . 

Cape of Good Hope consolidated stock, 

Dominion of Canada, 

Italian government rentes, 

Prussian government consols, 

Transvaal government bonds, 

Victorian government stock, 

State of Georgia, 

State of Minnesota, . 

Province of New Brunswick, 

Province of Nova Scotia, 

State of South Carolina, 

State of Tennessee, . 

Atchison County, Kan., 

Bexar County, Texas, 

Butler County, Ohio, . 

Chatham County, Ga., 

Douglas County, Neb., 

Franklin County, Ohio, 

Franklin County, Ky., 

Hamilton County, Tenn., 

Hancock County, Ohio, 

Hennepin County, Minn., 

Hudson County, N. J , 

Kent County, Mich., . 

Lucas County, Ohio, . 

McLennan County, Texas, 

Montgomery County, Iowa, 

Owen County, Ky., . 

Ramsey County, Minn., 

Richland County, Wis., 

Sedgwick County, Kan., 

Shawnee County, Kan., 



Book Value. 

$311,823 00 

88,834 89 

99,422 81 

48,997 07 

156,120 00 

106,523 74 

276,431 13 

49,834 71 

24,250 00 

1,031,810 00 

100,395 00 

219,234 75 

410,442 50 

40,590 00 

415,503 60 

124,861 20 

50,505 00 

65,595 00 

62,609 40 

59,722 60 

115,703 40 

62,421 60 

207,540 00 

17,656 80 

201,760 00 

599,340 00 

, 90,836 00 

24,357 10 

74,928 00 

50,500 00 

.100,000 00 

305,060 00 

5,005 00 

257,050 00 

30,750 00 



Market Value. 

$303,750 00. 
72,506 53 
95,452 00 
49,026 29 

157,065 00 
91,288 16 

269,059 00 

52,596 00 

24,593 50 

1,072,200 00 

99,625 00 

221,835 80 

401,675 00 
40,590 00 

393,675 00 

120,380 00 
51,805 00 
66,528 50 
62,610 00 
59,722 60 

117,760 00 
63,971 60 

210,040 00 
17,948 00 

200,000 00 

605,010 00 
95,148 00 
24,301 20 
77,959 00 
51,125 00 

101,670 00 

304,500 00 
5,192 50 

256,535 00 
30,750 00 



110 THE MUTUAL LIFE INSURANCE CO. OF NEW YORK. 



Vanderburgh County, Ind 

Wells County, Ind., . 

Woodbury County, Iowa, 

Atlanta, Ga., 

Augusta, Ga., 

Colorado Springs, Col., 

Council Bluffs, Iowa, 

Duluth, Minn., . 

East Orange, N.J., 

East Tacoma, Wash. 

Elizabeth, N. J., 

Evansville, Ind., 

Fostoria, Ohio, . 

Fort Worth, Texas, 

Galveston, Texas, 

Guelph, Ontario, Can 

Helena, Mont., . 

Hyde Park, 111., 

Jackson, Mich., . 

Jersey City, X. J., 

Joliet, 111.,. 

Kansas City, Kan., 

Lake, 111., . 

Lakeside, Minn., 

Lincoln, Neb., . 

Memphis, Tenn., 

Minneapolis, Minn., 

Montreal, Quebec, Can., 

Nashville, Tenn., 

Newark, X. J , . 

New York, N. Y., 

Omaha, Neb., 

Orange, N. J., . 

Ottawa, Ontario, Can 

Richmond, Va., . 

Salem, Ohio, 

St. Paul, Minn., 

San Antonio, Texas, 

San Francisco, Cal., 

Seattle, Wash., . 

Spokane Falls, Wash 

Spokane, Wash., 

Stillwater, Minn., 

Toronto, Ontario, Can 

Waco, Texas, . 

West Duluth, Minn., 

Yonkers, N. Y., . 

Albany & Susquehanna Railroad, 



Book Value. 

$104,445 00 
124,763 90 
125,000 00 
559,010 00 
15,702 00 
63,432 00 
118,953 00 
90,135 00 
46,000 00 
104,550 00 
374,178 40 
447,920 00 
6,066 60 
101,170 00 
323,801 30 
132,065 82 
100,550 00 
53,030 00 
67,515 50 
1,642,256 14 
51,275 00 
104,947 80 
85,530 50 
42,358 40 
98,740 00 
102,979 80 
208,400 00 
577,383 00 
373,391 50 
156,870 00 
301,140 00 
218,628 50 
404,000 00 
42,264 00 
9,935 34 
125,000 00 
493,997 50 
269,495 00 
172,885 00 
100,440 00 
109,730 00 
585,960 00 
30,930 50 
460,439 00 
40,344 00 
270,582 60 
40,000 00 
1,211,767 60 



Market Value. 

$104,44. 

125,700 00 

125,000 00 

586,994 00 

17,316 00 

63,432 00 

121,263 00 

89,235 80 

46,381 80 

107,050 00 

374,178 40 

447,920 00 

6,186 60 

96,480 00 

320,791 90 

136,565 7" 

100,000 00 

53,030 00 

67,918 50 

1,724,009 70 

52,315 00 

104,121 60 

87,133 50 

43,461 60 

98,740 00 

104,683 00 

208,480 00 

568,923 13 

409,320 50 

182,115 00 

302,640 00 

226,067 50 

415,898 30 

42,264 00 

9,300 00 

127,500 00 

506,907 50 

274,605 00 

183,109 00 

100,440 00 

109,730 00 

642,720 00 

31,179 00 

461,000 00 

38,948 00 

275,240 70 

40,435 40 

1,338,140 00 



THE MUTUAL LIFE INSURANCE CO. OF NEW YORK. Ill 



Ashtabula & Pittsburgh, . 

Atlanta & Charlotte Air Line, 

Atlantic & Gulf, 

Atlantic Avenue, 

Baltimore & Ohio, . 

Barney & Smith Car Company, 

Bleecker Street & Fulton Ferry, 

Brooklyn & New York Ferry Companj', . 

Cedar Rapids, Iowa Falls & Northwestern, 

Central Park, North & East River, . 

Central Railroad & Banking Company, . 

Charlotte, Columbia & Augusta, . • . 

Chateaugay Railway, 

Chicago & Eastern Illinois, 

Chicago & Northwestern, 

Chicago & St. Louis, 

Chicago & Southwestern, . 

Chicago, Burlington & Quincy, 

Chicago, Milwaukee & St. Paul, 

Chicago, St. Paul, Minneapolis & Omaha, 

Cincinnati & Springfield, .... 

Cincinnati, Hamilton & Dayton, 

Cincinnati, Indianapolis, St. Louis & Chicago 

Cincinnati, Sandusky & Cleveland, . 

Citizens 1 Gas Light Company, . . . 

Cleveland & Mahoning Valley, , . 

Cleveland, Columbus, Cinn. & Indianapolis, 

Cleveland, Tuscarawas Valley & Wheeling, 

Columbus & Indianapolis Central, . 

Columbus & Toledo, .... 

Columbus Consolidated Street, 

Corrigan Consolidated Street, . 

Covington & Lexington, .... 

Delaware & Hudson Canal Company, 

Duluth & Iron Range, ... 

Duluth & Manitoba, 

Duluth Union Depot Company, 
Eastern Railway of Minnesota, 
East Tennessee, Virginia & Georgia, 
Elmira, Cortland & Northern, . ... 
Elmira Municipal Improvement Company, 
Equitable Gas Light Company, 

Erie Railway, 

Evansville & Terre Haute, 

Flint & Pere Marquette, 

Florida Central & Peninsular, 

Galveston, Harrisburgh & San Antonio, . 
Grand Rapids, Lansing & Detroit, . 



Book Value. 

$91,108 80 
286,025 00 
455,984 10 
312,000 00 
108,370 00 
105,930 00 

38,136 00 

69,138 00 
242,940 00 
113,930 00 
1,267,916 67 
121,656 00 
219,540 00 

51,330 00 
2,530,017 72 

96,913 40 
164,550 00 
447,550 00 
2,422,276 80 
532,000 00 
284,784 60 
372,433 00 
195,600 00 
519,300 00 

50,215 00 
187,810 00 
322,490 60 
195,120 00 

42,918 10 
223,640 00 
156,685 60 

50,070 00 
106,000 00 
377,588 70 

66,585 20 
102,370 00 
308,760 00 
543,400 00 
138,376 80 
293,850 00 
130,502 08 
529,300 00 

92,099 70 
285,925 00 
621,830 00 
596,335 00 
147,440 20 
244,025 00 



Market Value. 

$91,513 80 
286,025 00 
455,941 20 
315,750 00 
112,000 00 
107,000 00 

38,136 00 

69,138 00 
241,470 00 
114,520 00 
1,453,500 00 
120,000 00 
235,240 00 

57,250 00 
2,682,389 00 

98,633 40 
168,780 00 
446,350 00 
2,624,770 80 
597,500 00 
307,017 20 
397,526 00 
185,340 00 
519,300 00 

50,840 00 
187,810 00 
356,612 20 
202,194 00 

45,206 40 
240,680 00 
164,000 00 

50,000 00 
106,445 20 
460,638 90 

71,225 00 

58,000 00 
312,510 00 
559,625 00 
129,960 00 
304,500 00 
147,556 50 
537,650 00 
101,894 10 
285,925 00 
640,750 00 
626,250 00 
134,000 00 
191,675 00 



112 THE MUTUAL LIFE INSURANCE CO. OF NEW YORK. 



Georgia Railroad & Banking Company, 

Hannibal & St. Joseph, . 

Housatonic, .... 

Illinois Central, 

Indiana, Bloomington & Western, 

Indianapolis & St. Louis, . 

Indianapolis, Decatur & Springfield, 

James River Valley, 

Jeffersonville, Madison & Indianapolis, 

Kansas City, St. Joseph & Council Bluffs 

Laclede Gas Light Company, . 

Lake Erie & Western, 

Lake Shore & Michigan Southern, . 

Long Branch Water Supply Company, 

Louisville, New Albany & Chicago, 

Memphis & Charleston, . 

Metropolitan Elevated, 

Metropolitan Opera & Real Estate Company, 

Michigan Central, 

Milwaukee City, 

Milwaukee, Lake Shore Western, 

Minneapolis & St. Louis, . 

Minneapolis Gas Light Company, 

Minneapolis Street Railway, . 

Mobile & Girard, 

Mobile & Ohio, .... 

Mohawk & Malone, . 

Montgomery & Eufaula, . 

Morgan's Louisiana & Texas, . 

Municipal Gas Light Company, 

Nashville & Decatur, 

Nashville, Chattanooga & St. Louis, 

National Water Works Company, 

New York Central & Hudson River 

New York, Chicago & St. Louis, 

New York Elevated, 

New York, Lackawanna & Western, 

New York, New Haven & Hartford, 

New York, Pennsylvania & Ohio, 

Ocean Steamship Company, 

Ohio & Mississippi, . 

Pittsburgh & Western, 

Pittsburgh Junction, 

Pittsburgh, Painesville & Fairport, 

Richmond, York River & Chesapeake, 

Richmond & Danville, 

Rome, Watertown & Ogdensburg, 

Rutland, 



Book Value. 

$426,908 20 
556,560 00 

52,490 00 
1,833,346 00 
123,843 50 
447,480 00 
200,312 00 
260,700 00 
103,804 20 
513,840 00 
412,900 00 
250,000 00 
1,103,000 00 
101,460 00 
103,565 00 
217,160 00 
86,025 00 
916,830 00 
1,320,115 00 
61,882 20 
219,528 00 
202,032 00 
208,780 00 
175,423 00 
376,006 70 
205,898 00 
346,500 00 
204,680 00 
264,850 00 
26,762 40 
471,435 80 
341,760 30 
132,000 00 
581,600 00 
327,000 00 
83,760 60 
1,064,200 00 
413,871 86 
55,390 50 
488,315 40 
99,038 00 
402,900 00 
400,000 00 
114,896 60 
306,049 20 
557,600 00 
409,374 80 
540,215 00 



Market Value. 

$437,135 20 

575,000 00 

56,250 00 

1,873,400 00 

120,500 00 

504,331 00 

241,570 00 

145,000 00 

108,447 80 

527,475 00 

404,150 00 

275,000 00 

1,215,800 00 

103,110 00 

107,375 00 

224,000 00 

87,000 00 

524,300 00 

1,358,170 00 

62,117 80 

238,360 00 

209,681 40 

212,780 00 

187,357 00 

361,000 00 

213,920 00 

351,155 00 

172,000 00 

304,375 00 

27,000 00 

467,225 80 

370,554 80 

135,300 00 

612,500 00 

317,190 00 

84,700 00 

1,270,000 00 

456,000 00 

56,716 00 

464,550 00 

97,520 00 

420,000 00 

460,400 00 

106,200 00 

310,480 00 

530,000 00 

423,305 00 

540,715 00 



THE MUTUAL LIFE INSURANCE CO. OF NEW YORK. 113 



San Antonio & Aransas Pass, . 

St. Louis, Kansas City & Northern, 

St. Paul & Duluth, . 

St. Paul City Railway, 

St. Paul & Northern Pacific, 

Seaboard & Roanoke, 

Staten island Rapid Transit, 

South Carolina 

South Georgia & Florida, . 
South Side of Virginia, 
Standard Gas Light Company, . 
Syracuse, Binghamton & New York 
Texas & New Orleans, 
Texas & Pacific, 
Union Railway, .... 
United States Mortgage Company, 
Valley Railroad of Ohio, . 
Virginia Midland, 
Virginia & Tennessee, 

Wabash, 

Warren & Franklin, . 

Western Transit Company, 

Western Railroad of Alabama, 

Western Union Telegraph Company 

Wheeling & Lake Erie, 

Albany & Susquehanna stock, . 

Brooklyn City stock, . 

Chicago & Northwestern preferred stock 

Chicago, Milwaukee & St. Paul common stock 

Chicago, Milwaukee & St. Paul pref. stock, 

Cleveland & Pittsburgh stock, . 

Georgia Railroad & Banking Company stock 

Massawippi Valley stock, . 

Morris & Essex stock, .... 

National Union Bank stock, 

New York Guarantee & Indemnity Co stock, 

New York & Harlem stock, 

New York, New Haven & Hartford stock, 

Pennsylvania stock, 

Pittsburgh, Fort Wayne & Chicago stock, 
United New Jersey R R. & Canal Co. stock, 
United States Mortgage Company stock, . 
Real Est. Exchange & Auct. Room L'ted stock, 
Pittsburgh, McKeesport & Youghiogheny stock, 



Book Value. 

$414,018 00 

44,324 40 
105,450 00 
281,637 00 
115,240 00 
401,920 00 

23,066 40 
502,700 00 
111,859 60 

34,000 00 
142,125 00 
269,249 40 
665,207 60 

92,234 86 
403,487 50 
250,000 00 

66,800 50 
259,400 00 

74,781 50 
1,003,600 00 
104,000 00 
400,000 00 
1,546,857 50 
617,080 00 
235,825 00 

30,341 70 
250,000 00 
626,803 00 

27,637 50 
826,199 74 
188,527 78 
194,532 20 

35,000 00 

30,797 00 

315,000 00 

1,163,500 00 

864,146 95 

1,520,737 91 

661,085 83 

15,225 00 

60,408 78 

1,312,500 00 

1,000 00 

305,937 50 



Market Value. 

$270,000 00 

45,326 30 

106,440 00 

325,071 00 

114,500 00 

401,920 00 

23,381 40 

532,500 00 

113,076 40 

34,549 00 

143,370 00 

299,404 00 

710,029 60 

72,420 00 

412,040 00 

255,200 00 

61,288 50 

264,400 00 

73,866 50 

1,023,300 00 

106,920 00 

408,320 00 

1,565,064 90 

634,410 00 

260,000 00 

35,360 00 

320,000 00 

612,000 00 

18,810 00 

815,500 00 

193,750 00 

150,000 00 

35,728 00 

37,500 00 

375,000 00 

2,885,480 00 

1,110,625 00 

1,528,550 00 

.587,520 00 

15,000 00 

61,650 00 

1,575,000 00 

750 00 

305,937 50 



,745,465 48 $72,936,322 41 



114 



THE MUTUAL BENEFIT LIFE INSURANCE CO. 



"THE MUTUAL BENEFIT LIFE INSURANCE COMPANY," 

NEWARK, N. J. 

[Incorporated Jan. 31, 1845. Commenced business April, 1845.] 

Amzi Dodd, President. Edward L. Dobbins, Secretary. 



Inxome. 

Cash received for premiums on new policies, 
Cash received for renewal premiums, 
Premium notes received for new policies, 
Premium notes received for renewals, 
Premiums paid by dividends, . 
Premiums paid by surrendered policies, . 
Cash received for annuities, 



Total, 

Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 



Total income, 
Net or ledger assets Dec. 31, 1892, 



$755,481 65 

4,265,912 33 

88,963 54 

435,232 14 

1.424,918 47 

314,086 19 

27,248 03 



$7,311,842 35 

2,617,638 52 

1,603 26 

25,626 42 



$9,956,710 55 
49,699,256 19 



Total, 



$59,655,966 74 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, . 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Surrender values, including reconverted additions applied 

in payment of premiums, 

Cash dividends paid policy-holders, .... 

Dividends applied in payment of premiums, . 
Premium notes or loaus used in payment of dividends, 



$3,478,411 85 

125,386 54 

255,281 21 

11,097 89 



$3,870,177 49 

34,660 89 

574,735 53 

174,919 33 

314,086 19 

247,512 84 

1,424,918 47 

26,495 47 



Total paid policy-holders, $6,667,506 21 



THE MUTUAL BENEFIT LIFE INSURANCE CO. 



115 



Cash paid for commissions and expenses to agents, 
for medical examiners" fees, . 
for salaries of officers and office employees, 

for taxes and fees, 

for advertising, 

for legal expenses, 

for incidentals, 

for expenses on real estate, 
for profit and loss account, 

Total disbursements, 



$792,061 68 
79,299 96 
160,602 90 
218,788 52 
19,295 19 
19,752 58 
63,285 45 
12,039 12 
69,656 76 

$8,102,288 37 



Balance, 



$51,553,678 37 



Invested in the following : — 



Assets as per Ledger Accounts 

Value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Par value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Agents' ledger balances, etc., 

Premiums in transit (since received), 

Ledger assets (as per balance), 



|993,870 61 

29,642,468 50 

2,025,500 00 

1,706,207 36 

4,325,771 69 

12,095,120 22 

171,765 27 

415,271 35 

17,135 66 

160,567 71 

$51,553,678 37 






Other Assets. 

Interest due and accrued, . 

Market value of stocks and bonds, over par, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), 

Net am't of uncollected and deferred prem's, 

Total assets per company's books, . 



8250,016 06 
498,466 52 

#748,482 58 
149,696 52 



866,185 89 
327,442 50 



598,786 06 



$53,346,092 82 



Items not admitted. 



Agents 1 balances, etc., 



17,135 66 



Total admitted assets, 



$53,328,957 16 



116 



THE MUTUAL BENEFIT LIFE INSURANCE CO. 



Liabilities. 
Computed premium reserve or net present value of all out- 



standing policies (actuaries' 4 per cent.), . 

Death losses and matured endowments in proc- 
ess of adjustment, 

Claims resisted by the company, 

Total policy claims, . . . . . - 

Unpaid dividends of surplus due policy-holders, 

Premiums paid in advance, .... 

Liabilities as to policy-holders, 
Surplus as regards policy-holders, . 

Gross liabilities, 



. $19,269,722 00 



$187,758 39 
10,000 00 



197,758 39 

280,158 35 

3,334 73 

$49,750,973 47 
. 3,577,983 69 



$53,328,957 16 



Premium Note Account. 



Premium notes on hand Dec. 31, 1892, 
Premium notes received during 1893, 

Total 

Used in payment of losses and claims, . 
Used in payment of surrendered policies and 

voided by lapse, 

Used in payment of dividends to policy-holders, 
Redeemed by maker in cash, .... 

Total, 

Balance note assets Dec. 31, 1893, 



$4,239,796 40 
524,195 68 

$136,484 43 

174,919 33 

26,495 47 

100,321 16 



$4,763,992 08 



438,220 39 



$4,325,771 69 



Whole life, . 
Endowment, 
All other, . 
Reversionary additions, 



Exhibit of Policies. 

Policies and Additions in Force Dec. 31, 1892. 

Number. Amount. Total No. 

. 53,869 $145,002,146 00 

. 16,793 40,456,605 00 

. 3,684 9,274,233 00 

965,104 00 



Total Amount. 



74,346 $195,698,088 00 



Policies issued during the Year. 



Whole life, . 
Endowment, 
All other, . 



Whole life, . 
Endowment, 
All other, . 



7,687 
2,626 
1,458 


$18,653,282 00 
5,812,987 00 
3,884,448 00 


Old Policies revived. 
32 $76,000 00 
18 62,000 00 
2 7,000 00 



11,771 28,350,717 00 



52 



145,000 00 



THE MUTUAL BENEFIT LIFE INSURANCE CO. 



117 



Whole life, . 
Endowment, 

Additions by dividends, 
Total, . 



Old Policies increased. 

Number. Amount. Total No. Total Amount. 

11 $42,000 00 

25 33,493 00 
36 $75,493 00 

- 461,554 00 



86,205 $224,730,852 00 



Whole life, . 
Endowment, 
All other, . 



By death, . 
maturity, 
expiry, . 
surrender, 
lapse, . 

Not taken, . 



Policies terminated during the Year. 

. 5,711 $15,219,923 00 

. 2,082 4,659,066 00 

919 2,575,113 00 



8,712 


$22,454,102 00 


How terminated. 


1,192 


$3,609,033 00 


184 


268,330 00 


724 


2,072,593 00 


2,785 


7,657,306 00 


2,190 


5,037,038 00 


1,637 


3,809,802 00 



8,712 22,454,102 00 



Policies in Force Dec. 31,1893. 



Whole life, . 
Endowment, 
All other, . 
Reversionary additions, 



55,888 $148,553,505 00 

17,380 41,706,019 00 

4,225 10,683,126 00 

1,334,100 00 



77,493 $202,276,750 00 



Schedule A. 
Securities held as Collateral. 

Market Value. 

Essex County National Bank, Newark, stock, . $12,000 00^ 

Newark City National Bank, Newark, stock, . 15,000 00 

National Newark Banking Co , Newark, stock, 6,600 00 

Second National Bank, Newark, stock, . . 2,700 00 ( 

National State Bank, Newark, stock, . . 6,225 00 )■ 

Manufacturers 1 National Bank, Newark, stock, 4,200 00 

Merchants' National Bank, Newark, stock, . 2,280 00 

American Insurance Co., Newark, scrip,. . 12,480 00 , 

Citizens' Gas Light Co., Newark, stock, . . 9,500 00 J 

Morris & Essex Railroad bonds, . . . 7,535 00 

Citizens' Gas Light Co., Newark, stock, . . 76,000 00 

National State Bank, Newark, stock, . . 750 00 "| 

National Newark Banking Co., Newark, stock, 990 00 

Merchants' Fire Insurance Co , Newark, stock, 2,860 00 

Firemen's Insurance Co , Newark, stock,. . 615 00 J 



Amount Loaned. 



$45,000 00 



5,500 00 
50,000 00 

5,000 00 



118 



THE MUTUAL BENEFIT LIFE INSURANCE CO. 



Newark Gas Light Co., Newark, stock, . 
Kansas City Elevated Railroad bonds, 
Wabash Railroad bonds, .... 
Elizabethtown Gas Light Co. bonds, 
Great Northern Railroad stock, 
New York, Susquehanna & Western R.R. stock 
Lake Erie & Western Railroad stock, 
General Electric Company bonds, . 
Chesapeake & Ohio Kailroad bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago, Rock Island & Pacific R R. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Mobile & Ohio Railroad bonds, 
Citizens 1 Gas Light Company, Newark, stock 

St. Louis city bonds 

Equitable Gas Company, New York, stock, 
St. Paul, Minn. & Manitoba R R. bonds, . 
Pittsburgh & Western Railroad bonds, . 
Long Island Railroad bonds, . 
Chicago & North Western Railroad stock, 
Manhattan Elevated Railroad stock, 
Chicago, St. Paul, Minn & Omaha R.R. stock 
Central Railroad of New Jersey stock, . 
Colorado Midland Railroad bonds, . 
Dallas & Waco Railroad bonds, 
Milwaukee, Lake Shore & Western R.R. b'ds 
Missouri, Kansas & Eastern Railroad bonds, 
St. Paul & Duluth Railroad stock, . 
Chicago, Burlington & Quincy Railroad stock 
Delaware & Hudson Canal Company stock, 
Consolidated Gas Company, New York, stock 
Central Railroad of New Jersey stock, . 
Chicago, Rock Island & Pacific Railroad stock 
Wheeling & Lake Erie Railroad stock, . 
Lake Erie & Western Railroad stock, 
Mutual Union Telegraph Company bonds, 
Houston & Texas Central Railroad bonds, 
Pullman Palace Car Company stock, 
Chicago, Milwaukee & St. Paul Railroad stock 
Canada Southern Railroad stock, 
Manhattan Elevated Railroad stock, 
Western Union Telegraph Company stock, 
Chicago, Rock Island & Pacific Railroad stock 
Lake Shore & Michigan Southern R.R. stock, 
Lehigh & Wilkesbarre Railroad bonds, . 
Missouri Pacific Railroad bonds, 
Wabash Railroad bonds, .... 
Mobile & Ohio Railroad bonds, 



Market Value. 

$19,500 00 
220,000 00 
12,240 00 
19,000 00 
30,000 00 
16,400 00 
18,600 00 
17,750 00 
11,220 00 
7,680 00 
9,200 00 
6,060 00 
5,800 00 
19,095 00 
46,000 00 ^ 
9,350 00 | 
8,080 00 \ 
49,600 00 j 
10,300 00 J 
6,468 00^ 
37,125 00 
21,500 00 
11,100 00 
15,300 00 
23,490 00 
3,030 00 
3,280 00 J 
8,000 00^ 
15,000 00 
26,000 00 
24,600 00 
11,100 00 
6,300 00 
4,600 00 
930 00 
10,900 00 
14,600 00 J 
68,364 00") 
11,400 00 
1,920 00 
4,920 00 
2,050 00 
3,150 00 > 
6,000 00 
5,300 00 
9,180 00 
7,920 00 
5,800 00 > 



Amount Loaned. 

$10,000 00 

200,000 00 

10,000 00 

15,000 00 



100,000 00 



10,000 00 



100,000 00 



y 100,000 oo 



y 100,000 oo 



100,000 00 



THE MUTUAL BENEFIT LIFE INSURANCE CO. 



119 



Manhattan Elevated Railroad stock, 
Chicago, Rock Island & Pacific R.R. stock, 
Delaware and Hudson Canal Co. stock, 
Lake Erie & Western Railroad stock, 
Western Union Tele. Co. stock, 
Illinois Central Railroad stock, 
Chicago & Eastern 111. Railroad stock, 
Missouri, Kansas & Texas Railroad bonds, 
New York, Lacka. & Western Railroad bonds 
Winona & St. Peters Railroad bonds, 
Rio Grande Western Railroad bonds, 
Texas & Pacific Railroad bonds, 
Western Union Teleg. Co. stock, 
Chicago, Mil. & St. Paul Railroad stock, . 
Chicago, Rock Island & Pacific Railroad stock 
Central Railroad of New Jersey stock, . 
Texas & Pacific Railroad bonds, 
Wabash Railroad bonds, .... 
Winona & St. Peter's Railroad bonds, 
St. Louis Southwestern Railroad bonds, . 
Richmond & Danville Railroad bonds, 
East Tenn., Virginia & Georgia Railroad b'ds 
Knoxville & Ohio Railroad bonds, . 
Lake Erie & Western Railroad stock, 
New York & Susquehanna Railroad stock, 
Great Northern Railroad stock, 
General Electric Co. bonds, 
Colorado Coal and Iron Co. bonds, . 
Chicago, St. Paul, Minn. & Omaha R.R. bonds 
Chicago June. Railroad & Stock Yard bonds, 
Iowa Central Railroad bonds, . 
Chicago, Burl. & Northern Railroad bonds, 
St. Paul, Minn. & Manitoba Railroad bonds, 
Chicago, Mil. & St. Paul Railroad bonds, 
St. Paul, Minn. & Man. Railroad bonds, . 
Rome, Watertown & Ogdens. Railroad stock, 
Chicago, Mil. & St. Paul Railroad stock, . 
Evansville & Terre Haute Railroad stock, 
Chicago & Northwestern Railroad stock, 
Virginia Midland Railroad bonds, . 
Missouri, Kansas & Texas Railroad bonds, 
Rochester & Pittsburgh Railroad bonds, . 
Peoria, Decatur & Evansville Railroad bonds 
Louisville, Evansville & St. Lo. R.R. bonds, 
•Chicago, Mil. & St. Paul Railroad stock, . 
Western Union Teleg. Co. stock, 
Virginia Midland Railroad bonds, . 
Peoria, Decatur & Evansville Railroad bonds, 



Market Value. Amount Loaned. 

$24,600 00^ 

34,650 00 

13,000 00 

3,100 00 

8,200 00 

S oo 1 *-,ooo oo 

3,080 00 

3,330 00 
12,800 00 

3,450 00 

3,600 00 J 
49,500 00 \ 
23,200 00 

3,150 00 
11,100 00 
10,800 00 

7,200 00 j- 100,000 00 

3,840 00 

5,500 00 

5,450 00 

4,250 00 

4,900 00 J 
31,000 00^ 

8,200 00 
40,000 00 
17,750 00 

1,940 00 

1,200 00 

2,910 00 

3,400 00 

1,020 00 

2,340 00 
10,700 00 

890 00 J 
21,600 00^ 
28,500 00 
12,500 00 
13,400 00 

21,000 00 [ 100,000 00 
10,780 00 

6,100 00 

2,400 00 

4,000 00 
11,600 00^ 



y 100,000 oo 



4,125 00 



12,240 00 
2,400 00 j 



} 25,000 00 



120 



THE MUTUAL BENEFIT LIFE INSURANCE CO. 



Delaware and Hudson Canal Co. stock, . 
Great Northern Railroad stock, 
Lake Erie & Western Railroad stock, 
New York, Susq. & Western Railroad stock, 
Chicago, Burl. & Quincy Railroad stock, 
Jefferson, Madison & Indi'polis R.R. bonds, 
Columbus, Hocking Valley & Tol R.R bonds 
Louisville, Cinn & Lexington R.R. bonds, 
General Electric Co. bonds, 
St Paul, Minn. & Man. Railroad stock, . 
Great Northern Railroad stock, 
Western Union Tel eg. Co stock, 
Chicago, Burl. & Quincy Railroad bonds, 
St. Louis & Iron Mountain Railroad bonds, 
St. Louis Southwestern Railroad bonds, . 
Richmond & Danville Railroad bonds, 
Chicago & Indiana Railroad &Coal Co. bonds 
Morgan's Louisiana & Texas Railroad bonds, 
Iowa City & Western Railroad bonds, 
Knoxville & Ohio Railroad bonds, . 
Rio Grande Western Railroad bonds, 
Wabash Railroad bonds, . 
Pittsburgh & Western Railroad bonds, 
Long Dock Co. bonds, 
Texas & Pacific Railroad bonds, 
United States bonds, 
St. Paul, Minn & Man. Railroad bonds, 
New York & Harlem Railroad stock, 
Consolidated Gas Co. stock, New York, 
St. Louis, Alton &Terre Haute Railroad stock 
Belleville & Southern 111. Railroad stock, 
Rio Grande Western Railroad stock, 
Manhattan Elev. Railroad stock, 
Rensselaer & Saratoga Railroad bonds, . 
Belleville & Eldorado Railroad bonds, . 
Cleveland, Cinn., Chic. &St. Louis R.R. bonds, 



Schedule B. 



Market Value. Amount Loaned. 

$26,000 00 1 
30,000 00 
24,800 00 

8,200 00 

6,675 00 } 

5,900 00 

4,250 00 

2,000 00 
14,200 00 j 
40,400 00 ^ 
44,800 00 j 
16,500 00 J> 100,000 00 

9,000 00 j 

14,400 00 J 

11,000 00 ^ 

32,700 00 

9,800 00 
10,170 00 
10,000 00 

9,800 00 '} 100,000 00 

6,900 00 
13,000 00 
12,000 00 

4,880 00 

3,600 00 J 
114,000 00 100,000 00 
59,500 00 n 

25,000 00 S 100,000 00 
36,900 00 ) 
150,000 00^ 
78,000 00 
75,000 00 

3,()75 00 \ 250,000 00 

4,200 00 
18,750 00 

9,000 00 J 



$2,535,662 00 $2,025,500 00 



United States bonds, . 
Essex County, N. J., bonds, 
Buchanan County, Mo., bonds, 
Lincoln County, Mo., bonds, 
Pettis County, Mo., bonds, 
Uinta County, Wyoming, bonds, 



Bonds owned by the Company. 

Par Value. Market Value. 

$108,000 00 $120,415 00 

1,065,000 00 1,155,465 00 

450,000 00 450,000 00 

148,000 00 148,000 00 

99,500 00 99,500 00 

52,000 00 52,000 00 



THE MUTUAL BENEFIT LIFE INSURANCE CO. 



121 



Mercer County, N. J., bonds, . 

Elizabeth City County, Va , bonds, . 

Doniphan County, Kan., bonds, 

City of Newark, N. J., bonds, . 

City of Orange, N. J., bonds, . 

City of New Brunswick, N. J., bonds, 

City of Elizabeth, N. J., bonds, 

City of Rah way, N. J., bonds, . 

City of South Bend, Ind., bonds, 

City of Lafayette, Ind., bonds, 

City of Erie, Pa , bonds, . 

City of Springfield, 111., bonds, 

City of Toledo, O., bonds, 

City of Columbus, O., bonds, . 

City of Sandusky, O., bonds, . 

City of Cleveland, O., bonds, . 

City of Sedalia, Mo., bonds, 

City of Saginaw, Mich., bonds, 

City of Colorado Springs, Col , bonds, 

Township of Montclair, N. J., bonds, 

'J ownship of West Orange, N. J., bonds, 

Township of East Orange, N. J., bonds, 

Colorado State warrants, . 

Hoboken Land Improvement Co. bonds, 

Hackensack, N. J., Water Company bonds, 

Grand Rapids & Indiana R R. bonds, 

Belvidere Delaware Railroad bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

Perth Ambov & Woodbridge Railroad bonds 

Central Railroad of New Jersey bonds, . 

Chicago, Rock Island & Pacific R.R. bonds, 

Freehold & Jamesburg Agricult'l R.R. bonds, 

Shamokin, Sunbury & Lewisburg R.R. bonds, 

Wilkesbarre & Scranton Railroad bonds, 

New York, Susquehanna & West'n R.R. bonds 

Philadelphia, Wilmington & Bait. R.R. bonds 

Philadelphia & Erie Railroad bonds, 

Cleveland & Canton Railroad bonds, 

Seattle, Lake Shore & Eastern R.R. bonds, 

West Shore bonds, 

Saginaw & Western Railroad bonds, 

Morris & Essex Railroad bonds, 

New York, Lackawanna & West'n R.R. bonds 

Lehigh Valley Railroad bonds, 

Lehigh Valley Terminal Railroad bonds, 

Rio Grande Western Railroad bonds, 

Jackson, Lansing and Saginaw Railroad, 

Pittsburg, Cincinnati & St. Louis R.R. bonds, 



Par Value. 

$20,000 00 

12,000 00 

370,000 00 

1,408,000 00 

60,000 00 

14,000 00 

1,106,000 00 

49,401 33 
138,000 00 

160,000 00 

152,000 00 
114,300 00 
218,000 00 

50,000 00 

15,000 00 
250,000 00 

50,000 00 
100,000 00 

50,000 00 
295,000 00 
128,500 00 
272,017 38 

49,401 51 
100,000 00 
200,000 00 

50,000 00 
750,000 00 
150,000 00 
100,000 00 
250,000 00 
100,000 00 
100,000 00 

40,000 00 
100,000 00 
100,000 00 
250,000 00 
5(0,000 00 

50,000 00 

50,000 00 
200,000 00 

25,000 00 
300,000 00 

50,000 00 
150,000 00 
200,000 00 
150,000 00 

65,000 00 
100,000 00 



Market Value. 

$20,000 00 

12,000 00 

370,000 00 

1,408,000 00 

64,300 00 

14,350 00 

1,106,000 00 

49,401 33 

138,000 00 

168,000 00 

152,760 00 
114,300 00 
221,460 00 

50,000 00 

15,000 00 
251,500 00 

50,000 00 
100,000 00 

52,000 00 
295,000 00 
140,942 50 
272,017 38 

49,401 51 
103,000 00 
210,000 00 

55,000 00 
750,000 00 
142,500 00 
100,000 00 
277,500 00 

98,000 00 
100,000 00 

42,000 00 
100,000 00 
104,000 00 
250,000 00 
500,000 00 

43,000 00 

27,500 00 
202,000 00 

18,750 00 
417,000 00 

56,000 00 
147,000 00 
212,000 00 
102,000 00 

67,600 00 
115,000 00 



122 



NATIONAL LIFE INSURANCE CO. 



The Long Dock Company bonds, . 
Baltimore & New York Railroad bonds, . 
Elizabethtown Gas Light Company bonds, 
Rapid Transit Street Railroad bonds, 
Kansas City Elevated Railroad bonds, 



Par Value. 

$310,000 00 

250,000 00 

100,000 00 

71,000 00 

230,000 00 



Market Value. 
$384,400 00 

262,500 00 
95,000 00 
71,000 00 

230,000 00 



$12,095,120 22 $12,422,562 72 



"NATIONAL LIFE INSURANCE COMPANY," MONTPELIER, 

VERMONT. 

[Incorporated Nov. 13, 1848. Commenced business Feb. 1, 1850.] 

Charles Dewey, President. Geo. W. Reed, Secretary. 



Income. 

Cash received for premiums on new policies, 
Cash received for renewal premiums, 
Premium notes received for renewals, 
Premiums paid by dividends, including additions, 
Premiums paid by surrendered policies, . 

Total 

Cash received for interest, .... 
Cash received for rents of company's property, 

Total income, 

Net or ledger assets Dec. 31, 1892, . 



Total, 



$399,836 41 

1,675,275 41 

201,715 85 

84,551 29 

27,435 34 

12,388,814 30 

392,820 14 

9,867 86 

$2,791,502 30 

8,043,906 05 

$10,835,408 35 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Surrender values, including reconverted additions applied 

in payment of premiums, 

Cash dividends paid policy-holders, .... 

Dividends applied in payment of premiums, . . , 
Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 



$ 53 1,997 11 

2,692 31 

89,124 49 

178 96 

$623,992 87 

307,716 44 

15,601 57 

27,435 34 

29,288 42 

84,551 29 

58 24 

11,088,644 17 



NATIONAL LIFE INSURANCE CO. 



123 



Cash paid for commissions to agents, $368,142 22 

for salaries and travelling expenses of agents, . 40,400 56 

for medical examiners' fees, 32,532 87 

for salaries of officers and office employees, . . 38,816 00 

for taxes and fees, 52,278 52 

for rent 27,165 10 

for furniture and office fixtures, .... 10,156 28 

for advertising, 18,670 81 

for incidentals 25,270 57 

Profit and loss account, 1,239 20 

Total disbursements 1 1,703,3 16 30 

Balance, $9,132,092 05 



Invested in the following : — 



Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Par value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Agents' ledger balances, 

Ledger assets (as per balance), 



$5 18,564 52 

3,861,909 72 

146,730 00 

769,411 18 

206,319 60 

3,183,031 06 

54,986 02 

389,944 46 

1,195 49 

£9,132,092 05 



Other Assets. 

Interest due and accrued, 223,295 22 

Market value of stocks and bonds, over par, .... 123,111 12 
Uncollected premiums on policies in force, . $312,979 16 
Deferred premiums on policies in force, . . 197,462 86 

Total, $510,442 02 

Deduct loading (20 per cent.),. . . . 102,088 40 

Net am't of uncollected and deferred prem's, . 408,353 62 

Total assets per company's books, $9,886,852 01 



Items not admitted. 



Agents' balance, 



1,195 49 



Total admitted assets, 



. $9,885,656 52 



124 



NATIONAL LIFE INSURANCE CO. 



Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), .... 
Premium obligations in excess of net values of their policies, 



Death losses due and unpaid, . 
Matured endowments due and unpaid, 
Death losses and matured endowments in proc 

ess of adjustment, 
Claims resisted by the company, 

Total policy claims, . 
Unpaid dividends of surplus due policy-holders, 
Balance due on surrendered policies, 
Premiums paid in advance, 
Extra reserve on life-rate endowment policies, 

Liabilities as to policy-holders,. 
Surplus as regards policy-holders, . 

Gross liabilities, 



$8,423,275 00 
22,756 37 



$1,183 60 
1,500 00 

1,643 92 
17,000 00 



21,327 59 

6,267 70 

11,144 46 

930 60 

341,954 11 

$8,830,655 76 
1,055,000 76 

$9,885,656 52 



Premium Note Account. 

Premium notes on hand Dec. 31, 1892, . . $118,667 18 

Premium notes received during 1893, . . 201,715 85 

Total, $320,383 03 

Used in payment of losses and claims, . . $2,871 27 
Used in payment of surrendered policies and 

voided by lapse, 15,601 57 

Used in payment of dividends to policy-holders, 58 24 

Redeemed by maker in cash, .... 95,532 35 

Total, 114,063 43 

Balance note assets Dec. 31, 1893, $206,319 60 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1892. 





Number. 


Amount. Total No. 


Total Amount. 


Whole life, 


. 17,188 


$44,013,158 00 




Endowment, 


. 9,352 


14,188,496 00 




All other, . 


138 


411,500 00 




Reversionary additions, 


— 


65,199 00 









26,678 


$58,678,353 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

. 4,562 $9,725,982 00 

. 1,214 2,277,092 00 

142 414,600 00 



5,918 12,417,674 00 



NATIONAL LIFE INSURANCE CO. 



125 



Whole life, 
Endowment. 



Old Policies revived. 

Number. Amount. Total No. 

26 $60,000 00 

13 35,500 00 
39 



Total Amount. 



)5,500 00 



Whole life, 
Endowment, 

Additions by dividends, . 
Total, . 



Old Policies increased. 

$534 00 
294 00 



828 00 
5,494 00 



32,635 $71,197,849 00 



Policies terminated during the Year. 

Whole life, . . . 3,162 $7,495,780 00 
Endowment, . . . 1,070 1,884,091 00 
All other, .... 59 185,365 00 



4,291 $9,565,236 00 



Hoiv terminated. 



By death, . 

maturity, 

expiry, 

surrender, 

lapse, . 

change and decrease, 
Not taken, . 



233 

76 

23 

1,105 

1,891 

41 

922 



$560,623 00 
90,803 00 
95,000 00 

2,526,636 00 

3,852,300 00 
267,245 00 

2,172,629 00 



4,291 9,565,236 00 



Policies in Force Dec. 31, 1893. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



18,614 $46,303,894 00 

9,509 14,617,291 00 

221 646,100 00 

65,328 00 



28,344 $61,632,613 00 



Schedule A. 
Securities held as Collateral. 



National Car Company Stock, St. Albans, Vt , 
Lane Manufacturing Co. stock, Montpelier,Vt., 
Mortgage notes, St, Albans, Vt., 
110 shares Gordon Orchard & Vineyard Co., Cal., 
160 shares Banner Vineyard Co., Cal., 
Gordon Orchard & Vineyard Co. notes endorsed, 
Grangeville Vineyard Co., Cal., notes endorsed, 



Market Value. Amount Loaned. 



$9,000 00 
75,250 00 
831 00 
5,500 00 ) 
6,800 00 ' 



4,500 00 
4,000 00 



$6,000 00 

33,500 00 

730 00 



)> 17,500 00 



126 



NATIONAL LIFE INSURANCE CO. 



Otoe, Woodbury Co., la., school bonds, . 
Vermont Marble Co. bonds, Proctor, Vt., 

Personal note endorsed, 

Peninsular Savings Bank, Detroit, Mich., stock, 
A. A & Ypsilanti Street Railroad bonds, 
A. A. & Ypsilanti Street Railroad stock, . 
Sheldon Marble Co., Rutland, Vt., bonds, 



Schedule B. 



Market Value. 

$4,200 00 
51,600 00 
5,000 00 
2,500 00 
2,000 00 
1,000 00 
25,000 00 



Amount Loaned. 

f 4,000 00 

50,000 00 

5,000 00 

► 5,000 00 

25,000 00 



$197,181 00 $146,730 00 



Stocks and Bonds owned by the Company. 



United States bonds, . 
State of New Hampshire bonds, 
State of Missouri bonds, . 
Territory of Arizona bonds, 
City of Boston, Mass., bonds, . 
City of Chelsea, Mass., bonds, . 
City of Lawrence, Mass., bonds, 
City of Burlington, Vt., bonds, 
City of Meriden, Conn., bonds, 
City of Colorado Springs, Col., bonds, 
City of Crystal Lake, 111., bonds, 
Cit3' of Irving Park, 111., bonds, 
City of Springfield, 111., bonds, 
City of Alton, la., bonds, . 
City of Bloomfield, la., bonds, . 
City of Burlington, la., bonds, . 
City of Creston, la., bonds, 
City of Corning, la., bonds, 
City of Carroll, la., bonds, 
City of Fort Dodge, la , bonds, 
City of Hampton, la , bonds, . 
City of Independence, la , bonds, 
City of Nevada, la., bonds, 
City of North Des Moines, la., bond: 
City of Marion, la., bonds, 
City of Oskaloosa, la , bonds, . 
City of Spencer, la., bonds, 
City of Shenandoah, la., bonds, 
City of Webster, la., bonds, 
City of Newton, Kan., bonds, . 
City of Niles, Mich , bonds, 
City of Duluth, Minn., bonds, . 
City of Minneapolis, Minn., bonds, 
City of La Sueur, Minn., bonds, 
City of Little Falls, Minn., bonds, 



Par Value. 

$105,000 00 
11,000 00 
11,000 00 
30,000 00 
10,000 00 
30,000 00 
20,000 00 
25,000 00 
21,000 00 
31,000 00 

5,000 00 

4,500 00 
18,200 00 

5,900 00 
14,000 00 

5,000 00 
14,000 00 
15,000 00 

5,000 00 
11,000 00 
13,000 00 
10,000 00 
12,000 00 

5,000 00 
22,000 00 
10,000 00 

5,500 00 
20,000 00 
13,000 00 
12,000 00 
16,000 00 
14,000 00 

3,500 00 

3,000 00 

9,000 00 



Market Value. 

? 117,600 00 
13,107 60 
11,368 40 
30,460 00 
11,196 10 
30,234 00 
20,156 00 
25,620 00 
21,519 50 
31,345 30 

5,408 00 

4,600 25 
19,162 78 

6,488 82 
14,441 00 

5,129 00 
14,253 40 
15,907 50 

5,036 00 
11,152 90 
13,123 50 
10,095 00 
12,115 20 

5,072 50 
23,262 80 
10,333 00 

5,552 80 
20,798 00 
13,569 40 
12,618 00 
16,607 00 
15,099 00 

3,8- 

3,047 10 

9,355 50 



NATIONAL LIFE INSURANCE CO. 



127 



City of Stillwater, Minn , bonds, 
City of Winona, Minn., bonds, 
City of West Helena, Mont., bonds, 
City of Joplin, Mo., bonds, 
City of Hannibal, Mo., bonds, . 
City of Lincoln, Neb., bonds, . 
City of Kearney, Neb., bonds, . 
City of Kearney, Neb., bonds, . 
City of Omaha, Neb., bonds, 
City of Red Cloud, Neb , bonds, 
City of Fostoria, O., bonds, 
City of East Liverpool, O., bonds, 
City of Piqua, O , bonds, . 
City of Xeuia, O., bonds, . 
City of Sioux Fa^ls, S. D., bonds, 
City of Huron, S. D., bonds, 
City of Ogden, Utah, bonds, 
City of Salt Lake, Utah, bonds, 
City of Seattle, Wash , bonds, . 
City of Appleton, Wis., bonds,. 
City of Fond du Lac, Wis , bonds, 
City of Cheyenne, Wyo., bonds, 
County of Otero, Col., bonds, . 
County of Clarke, la., bonds, . 
County of Mahaska, la., bonds, 
County of Shelby, la , bonds, . 
County of Haskell, Kan., bonds, 
Count}- of Seward, Kan., bonds, 
County of Wyandotte, Kan., bonds, 
County of Douglas, Neb , bouds, 
County of Dundy, Neb., bonds, 
County of Lancaster, Neb., bonds, 
County of Clark, S. D., bonds, . 
County of Lewis, Wash., bonds, 
County of Outagamie, Wis., bonds, 
Town of Arlington, Vt., bonds, 
Town of Bakersfield, Vt., bonds, 
Town of Brighton, Vt., bonds, . 
Town of Essex, Vt., bonds, 
Town of Greensboro', Vt., bonds, 
Town of Highgate, Vt., bonds, 
Town of Jay, Vt., bonds, . 
Town of Jamaica, Vt , bonds, . 
Town of Jericho, Vt., bonds, . 
Town of Montpelier, Vt., bonds, 
Town of Mt. Tabor, Vt., bonds, 
Town of Newfane, Vt, bonds, 
Town of Swanton, Vt., bonds, . 



Par Value. 

$41,000 00 
3,000 00 
10,000 00 
6,500 00 
20,000 00 
50,000 00 
10,000 00 
25,000 00 
20,000 00 
10,000 00 
16,000 00 
20,000 00 
10,000 00 
6,000 00 
20,000 00 
12,500 00 
20,000 00 
20,000 00 
40,000 00 
17,500 00 
20,000 00 
25,000 00 
4,000 00 
42,000 00 
25,000 00 
15,000 00 
14,000 00 
6,000 00 
15,000 00 
20,000 00 
1,800 00 
50,000 00 
9,000 00 
20,000 00 
25,000 00 
15,000 00 
3,000 00 
12,500 00 
1,500 00 
3,500 00 
30,000 00 
4,000 00 
8,000 00 
5,000 00 
40,500 00 
6,000 00 
6,000 00 
78,300 00 



Market Value 

$43,509 20 

3,041 70 

10,892 00 

6,728 15 

21.246 00 
52,400 00 
10,417 00 
26,320 00 
21,568 00 
10,145 00 
16,385 60 
21,082 00 
10,724 00 

6,000 00 
21,132 00 
12,500 00 
20,258 00 
20,200 00 
42,192 00 
17,743 25 
20,016 00 
26,547 50 

4,239 60 
42,726 60 
25,322 50 

15.247 50 
15,944 60 

6,666 60 

15,145 50 

22,070 00 

1,940 22 

51,255 00 

9,526 00 

23,408 00 

25,957 50 

15,570 00 

3,027 00 

12,968 75 

1,554 90 

3,649 10 

31,377 00 

4,064 28 

8,075 20 

5,048 50 

40,539 93 

6,363 00 

6,058 20 

80,292 57 



128 



NATIONAL LIFE INSURANCE CO. 



Town of Sheldon, Vt., bonds, . 

Town of Townshend, Vt., bonds, 

Town of Underhill, Vt., bonds, 

Town of Wolcott, Vt., bonds, . 

Town of Woodstock, Vt., bonds, 

Town of Monmouth, 111 , bonds, 

Town of South Denver, Col., bonds, 

Town of Boulder, Col., bonds, . 

Town of Wellston, O., bonds, . 

Town of Beaver, Pa., bonds, 

Town of Rochester, Pa., bonds, 

Village of Barre, Vt., bonds, . 

Village of Brandon, Vt., bonds, 

Village of Bradford, Vt., bonds, 

Village of Brattleboro', Vt., bonds, . 

Village of Montpelier, Vt., bonds, . 

Village of Richford, Vt., bonds, 

Village of St. Johnsbury, Vt., bonds, 

Village of North Troy, Vt , bonds, . 

Village of St Albans, Vt., bonds, . 

Village of West Randolph, Vt., bonds, 

Village of Indianola, la., bonds, 

Village of Clinton, Mich., bonds, 

Village of Tecumseh, Mich,, bonds, 

Village of West Duluth, Minn., bonds, 

Village of Canton, O , bonds, . 

Village of Lorain, O., bonds, . 

Village of Leetonia, O., bonds, 

Village of North Bend, Neb., bonds, 

Village of South Bend, Wash., bonds, 

Vermont Marble Company's mortgage bonds 
First National Bank stock, Montpelier, 
Montpelier National Bank stock, 
Clinton County, la., warrants, . 
Montana State, county and city warrants 
Nebraska Slate and county warrants, 
City of Lincoln, Neb., warrants, 
City of Sioux City, la., warrants, 
Barre, Vt., bonds, .... 
Brattlcboro\ Vt., bonds, . 
Montpelier, Vt., Union school district, 
Denver, Col., bonds, .... 
Pueblo, Col., bonds, .... 
Pueblo County, Col., bonds, 
Algona, la., bonds, .... 
Carroll County, la., bonds, 
Griswold, Cass County, la., bonds, . 
Cedar Rapids, la , bonds, . 



Par Value. 

$19,000 00 
14,000 00 
12,000 00 
1,300 00 
7,000 00 
10,000 00 
25,000 00 
35,000 00 
40,000 00 
18,500 CO 
17,000 00 
45,000 00 
21,000 00 
27,000 00 
3,500 00 
17,500 00 
17,000 00 
6,000 00 
16,000 00 
65,000 00 
9,000 00 
13,000 00 
8,000 00 
15,000 00 
20,000 00 
20,000 00 
11,000 00 
9,000 00 
2,000 00 
24,000 00 
20,000 00 
26,000 00 
1,700 00 
17,887 40 
52,431 47 
182,876 01 
46,561 15 
80,000 00 
21,000 00 
20,000 00 
1,500 00 
20,000 00 
30,000 00 
58,000 00 
2,000 00 
7,000 00 
4,000 00 
29,500 00 



Market Value. 

$19,642 00 
14,256 20 
12,135 60 
1,558 05 
7,000 00 
10,072 50 
28,447 50 
36,3U6 50 
41,030 00 
19,208 bo 
17,566 07 
46,314 00 
21,034 02 
27,063 44 
3,539 55 
17,603 25 
17,960 50 
6,144 00 
17,019 20 
65,929 50 
9,128 70 
13,338 00 
8,144 80 
15,499 50 
21,636 00 
20,228 00 
11,987 80 
9,252 00 
2,167 60 
27,612 00 
21,003 00 
26,000 00 
2,975 00 
18,094 40 
52,683 63 
183,790 42 
46,793 96 
80,400 00 
21,250 00 
20,662 00 
1,500 00 
20,762 00 
30,615 00 
59,276 00 
2,028 80 
7,050 40 
4,021 20 
29,500 00 



NATIONAL LIFE INSURANCE CO. 



129 



Forest Homo, la., bonds, . 
Newton, la., bonds, . 
O'Brien County, la., bonds, 
Osceola, la., bonds, . 
Perry, la., bonds, 
Red Oak, la., bonds, . 
Rock Rapids, la., bonds, . 
Sanborn, la., bonds, . 
Rock Island, 111., bonds, . 
Anderson, Ind., bonds, 
Indianapolis, Ind., bonds, . 
Atchison County, Kan., bonds, 
Coffey ville, Kan , bonds, . t 
Cloud County, Kan., bonds, 
Dickinson County, Kan , bonds, 
Barber County, Kan , bonds, 
Gray County, Kan., bonds, 
Graham County, Kan., bonds, 
Horton County, Kan., bonds, 
Liberal, Kan., bonds, 
Neosho County, Kan., bonds, 
Kingman County, Kan., bonds, 
Reno County, Kan., bonds, 
Stanton County, Kan., bonds, 
Sedgwick County, Kan., bonds, 
Wa-Keeney County, Kan , bonds, 
Wellington, Kan., bonds, . 
Paris, Ky , bonds, 
Sault Ste. Marie, Mich., bonds, 
West Bay City, Mich., bonds, 
Douglas County, Minn., bonds, 
Duluth, Minn., bonds, 
Harlan, Mo., bonds, . 
Antelope County, Neb., bonds, 
Blaine County, Neb., bonds, 
Cass County, Neb., bonds, 
Aurora, Neb., bonds, 
Box Butte County, Neb., bonds, 
Dawson County, Neb., bonds, 
Holt County, Neb., bonds, 
Howard County, Neb , bonds, 
Hitchcock County, Kan., bonds, 
Harlan County, Neb , bonds, 
Johnson Co mty, Neb., bonds, 
Kearney County, Neb., bonds, 
Jefferson County, Neb , bonds, 
Oakdale, Neb., bonds, 
Saunders County, Neb., bonds, 
Saline County, Neb., bonds, 



Par Value. 

$2,000 00 

10,000 00 

9,000 00 

3,500 00 

12,000 00 

3,000 00 

5,000 00 

3,000 00 

25,000 00 

5,500 00 

12,000 00 

10,000 00 

7,500 00 

3,000 00 

12,000 00 

4,600 00 

4,000 00 

10,000 00 

13,000 00 

15,000 00 

8,240 00 

3,000 00 

3,500 00 

1,000 00 

8,000 00 

1,500 00 

14,000 00 

25,000 00 

15,000 00 

11,000 00 

20,000 00 

20,000 00 

2,500' 00 

2,000 00 

5,500 00 

9,000 00 

5,000 00 

5,000 00 

3,400 00 

3,000 00 

700 00 

350 00 

4,500 00 

8,000 00 

49,835 00 

1,500 00 

2,500 00 

7,950 00 

35,000 00 



Market Value. 

$2,070 00 

10,160 00 

9,000 00 

3,584 00 

12,140 40 

3,036 30 

5,080 40 

3,217 20 

25,330 00 

5,653 45 

12,000 00 

11,345 00 

8,085 75 

3,069 60 

12,380 40 

4,818 96 

4,561 20 

11.418 00 

14,582 10 

15,000 00 

8,906 61 

3,150 39 

3,858 40 

1,140 30 

8,350 40 

1,597 95 

14,210 70 

26,585 00 

15,499 50 

11,236 50 

20,734 00 

21,246 00 

2,553 75 

2,019 30 

5,894 35 

9,508 20 

5,261 80 

5,117 50 

3,620 32 

3,424 80 

704 63 

350 00 

4,595 85 

8,176 00 

53,833 08 

2,028 95 

2,597 75 

8,143 60 

36,352 50 



130 



NEW YORK LIFE IXSURANXE CO. 



Thayer County, Neb., bonds, 
Nance County, Neb., bonds, 
York County, Neb., bonds, 
Albuquerque, N. Mex., bonds, 
Collinwood, O., bonds, 
Dennison, O , bonds, . 
Martin's Ferry, O., bonds, 
Ottawa, O., bonds, . 
Hughes County, S. D., bonds, 
Huron, S. D , bonds, . 
Pierre, S. 1)., bonds, . 
Seattle, Wash., bonds. 



Par Value. 

$1,500 00 

1,000 00 

1,000 00 

15,000 00 

22,000 00 

6,000 00 

10,000 00 

20,000 00 

10,000 00 

20,000 00 

11,000 00 

10,000 00 



Market Value- 

SI, 52 1 45 
1,028 60 
1,014 30 

17,247 00 
22,158 40 
6,170 40 
10,694 00 
21,134 00 
10,619 00 
20,000 00 
11,920 70 
10,278 00 



$3,183,031 06 $3,306,142 18 



" NEW YORK LIFE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated 1841. Commenced business 1S45.] 

John* A. McCall, President. Charles C. Whitney, Secretary. 

Income.* 

Cash received for premiums on new policies, . 
Cash received for renewal premiums, .... 
Premium notes received for renewals, .... 
Renewal premiums paid by dividends, .... 
..Renewal premiums paid by reconverted additions, 
.Premiums for reversionary additions actually paid by divi 

(lends, 

Cash received for annuities, 



$5,958,786 98 

4,198 92 

753,809 79 

542,452 09 

22,477 60 



347.776 44 
656,226 54 



Total 

Deduct amount paid for re-insurance, 

Total premium income, 
Cash received for'interest, 

for rents of company's property, 
for profits on bonds or stocks sold, 
Deposits on account of trust fund policies, 

Total income, 

Net or ledger assets Dec. 31, 1^92, . 

Total, 



$27,535,728 36 
47,070 92 



$27,488,657 44 

. 5,617,094 39 

624,552 31 

108,002 20 

25,340 61 



$33,863,646 95 
128,132,289 85 



? 161,995,936 80 



* Note by the Compaxt. — The premium income and surrender value payments of this com- 
pany represent cash transactions and nothing else. There are no item* of journal entries therein, 
■where dividends are fictitiously treated as premiums to buy additional insurance, and there is 
no addition to either premium or surrender value account by describing the reserves on old 
policies surrendered as M new premium receipts" for the paid-up or substituted policies in in- 
come, and including a like sum to balance the entry, as paid for surrender values in disburse- 
ments. If, for example, such journal entries had been made, our premium income would ap- 
pear at $30,435,272 7S instead of $27,4SS,657.44 as shown above, and our total payments to policy- 
holders, $17,985,065.61 instead of $15,03S,450 '27. Th.- differ-nce — $2,946,615.34 — would be 
made up of bookkeeping entries of " cash surrender valuta " in excess of the actual cash trans- 
actions. 



NEW YORK LIFE INSURANCE CO. 



131 



Disbursements.* 

Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, 
Cash paid for matured endowments and additions, 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies re-insured, 

Net amount paid for losses and endowments, . 

Cash paid to annuitants, 

Cash paid for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Reserve values paid on matured deferred dividend policies, 
Reconverted additions applied in payment of renewal 

premiums, ........ 

Cash dividends paid policy holders, 

Dividends applied in payment of premiums, . 

Dividends actually applied in payment for reversionary 

additions, 

Premium notes or loans used in payment of dividends, . 
Instalments paid on trust deposits, 

Total paid policy-holders, 

Cash paid for commissions to agents, .... 
for medical examiners' fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for advertising, . .... 

for agency expenses, 

for incidentals, 

Total disbursements, 

Balance, 

Invested in the following : — 

Assets as per Ledger Accounts 

Book value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Book value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in banks and trust companies, 

Agents' ledger balances, 



18,450,230 03 

25,363 43 

1,083,445 95 



1,559,039 41 
35,500 00 



^9,523,539 41 

1,407,256 95 

979,531 01 

62,015 50 
1,295,038 02 

22,477 60 
853,426 83 
542,452 09 

347,776 44 
736 42 

4,200 00 

.5,038,450 27 
4,579,880 89 
492,068 04 
765,469 32 
317,296 97 
280,033 22 
111,066 70 
1,079,342 28 
761,117 52 



$23,424,725 21 



Ledger assets (as per balance), 



$138,571,211 59 



$13,139,049 93 

25,805,235 20 

2,428,966 67 

2,682,241 39 

1,075,440 32 

85,908,223 50 

18,219 95 

6,994,248 98 

519,585 65 



$138,571,211 59 



* See note on page 130. 



132 



NEW YORK LIFE INSURANCE CO. 



Other Assets. 

Interest due and accrued, .... 

Rents due and accrued 

Market value of stocks and bonds over book, 
Uncollected premiums on policies iu force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), . 

Net am't of uncollected and deferred prem's, 

Total assets per company's books, . 



§4,047,076 87 
2,338,966 00 

$6,386,042 87 
1,277,208 57 



51,424,735 20 
81,172 

4,084,412 do 



5,108,834 30 



$ 149,220,366 86 



Items not admitted. 



Agents 1 balances, 



Total admitted assets,* 
Deduct special deposits in other States, . 

Balance, 



519,585 65 



$148,700,781 21 
. 6,574,739 54 



$142,126,041 67 



Liabilities. 

Computed pn mium reserve or net present value of all 



outstanding policies (actuaries' 4 per cent.), 
Deduct net value of re-insured risks, 

Net re-insurance reserve 

Additional reserve on annuities and accumulation policies 

in excess of above standard, 

Matured endowments due and unpaid, . . $122,007 76 
Death losses in process of adjustment, . . 1,326,854 37 
Claims resisted by the company, . . . 4,000 00 

Due and unpaid on annuity claims, . . . 22,770 02 

Total policy claims, ..... 

Unpaid dividends of surplus due policy-holders, . 

Premiums paid in advance, 

Trust deposits, 



$129,574,559 00 
215,772 00 



$129,358,787 00 



503,661 00 



1,475,632 15 

131,5:33 64 

134/54 82 

67,982 42 



Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 

Surplus as regards policy-holders, . 
Gross liabilities, .... 



fl31,675,151 03 

. 6,574,739 54 



$125,100,411 49 
. 17,025,630 18 



$142,126,041 67 



* Note by the Company. — In all advertisements, publications aDd canvassing documents 
the assets, liabilities and surplus of the company are stated at the exact amounts as approved 
by the Insurance Department of New York State and publish> d in the superintendent's report 
to the Legislature. 



NEW YORK LIFE INSURANCE CO. 



133 



Premium Note Account. 



Premium notes on hand Dec. 31, 1892, 
Premium notes received during 1893, 

Total 

Used in payment of losses and claims, . 
Used in payment of surrendered policies and 

voided by lapse, 

Used in payment of dividends to policy-holders, 
Redeemed by maker in cash, .... 

Total, 

Balance note assets Dec. 31, 1893, 



$676,413 62 
753,809 79 



$25,363 43 

62,015 50 

736 42 

266,667 74 



,430,223 41 



354,783 09 



. $1,C75,440 32 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, IS 92. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Number. Amount. Total "No. Total Amount. 

. 160,410 $500,299,600 00 

. 50,523 159,403,627 00 

. 13,075 25,168,997 00 

4,376,405 00 
224,008 $689,248,629 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year* 

. 69,807 $184,074,670 00 

. 14,447 36,552,632 00 

. 1,314 3,221,689 00 
85,568 



223,848,991 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

372 $ 1.433,820 00 
90 326,353 00 

31 56,700 00 



493 



1,816,873 00 



Whole life, 
Endowment, 
All other, . 

Additions by dividends, 
Total, 



Old Policies increased. 

$545,171 00 

, - 136,300 00 

1,586,324 00 



2,267,795 00 
483,455 00 

310,069 $917,665,743 00 



* Note by the Company. — This return refers to absolutely new business and does not 
include paid-up or substituted policies issued for old policies, calling the reserve on such old 
policies the premium for the paid-up or.substituted policy and so reporting it as new premium 
income in receipts and balancing the entry by charging in disbursements a like sum as paid for 
the surrender of the old policy. 



134 



NEW YORK LIFE INSURANCE CO. 



Policies terminated during the Year. 

Number. Amount. Total No. 

Whole life, . . . 37,677 §111,529,86100 
Endowment, . . . 9,182 25,862,990 00 
Allother,. . . . 1,218 1,116,214 00 



Total Amount. 



48,077 $138,509,065 00 



How terminated. 



By death, . 


2,523 


$8,476,925 00 


maturity, 


448 


1,380,979 00 


expiry, 


415 


270,742 00 


surrender, . 


3,862 


13,833,707 00 


lapse, . 


25,253 


60,710,799 00 


change and decrease, 


- 


9,162,411 00 


Not taken, 


15,576 


44,673,502 00 



48,077 $138,509,065 00 



Whole life, 
Endowment, 
All other, . 



Policies in Force Dec. 31, 1893. 

. 192,912 §574,823,400 00 
. 55,878 170,555,922 00 
. 13,202 29,250,180 00 



Reversionary additions., 



4,527,176 00 



261,992 $779,156,678 CO 



r Schedule A. 

Securities held as Collateral. 

Market Value. 

Lake Shore & Michigan Southern R.R. bonds, $12,150 00 

400 shares First Nat'l Bank, Macon, Ga., . 60,000 00 

25 shares Central Trust Co. of New York, . 23,750 00 

Chicago & Northwestern Railroad bonds, . 208,650 00 

St. Paul, Minneapolis & Manitoba R R. bonds, 48,000 00 

4,900 shares Metropolitan Life Ins. Company, 183,750 00 

20 " Hamilton Trust Company, . . 4,000 00 

10 " N.Y. Guarantee and Indemy Co., 3,600 00 

100 " American Surety Company, . 10,000 00 

Jefferson, Madison & Ind. Railroad bonds, . 5,500 00 

Atlanta City, Georgia, bonds, .... 27,000 00 

20 shares Lowry Banking Company, Atlanta,. 2,800 00 

Atlanta Consolidated Street Railroad bonds, . 2,400 00 

1 ,400 shares Central Nat. Bank of New York, 175,000 00 

Canada Southern Railroad bonds, . . . 1,090 00 

9 shares N. Y., New Hav. & Hartford R.R., . 1,755 00 

10 " New York & Harlem R.R., . . 1,250 00 

6 " National Park Bank, New York, . 1,800 00 



Amount Loaned. 

$10,000 00 

40,000 00 

6,000 00 

i 200,000 00 

} 

[ 125,000 00 

J 

4,600 00 

i 25,000 00 

126,000 00 

) 

j> 4,700 00 

J 



NEW YOKK LIFE INSURANCE CO. 



135 



Southern Pacific of California Railroad bonds, 
Illinois Central Railroad bonds, 
Chesapeake & Ohio Railroad bonds, 
Chesapeake & Ohio Railroad bonds, 
200 shares Chicago, Burlington & Quincy, 
Atch., Topeka & Santa Fe Kailroad bonds, 
2,000 shares New Jersey Central Railroad, 
1,000 " Chicago, Rock Island & Pacific 
200 " Pittsb., Fort Wayne & Chicago, 
200 " N. Y., New Haven & Hartford, 
200 " Western Union Telegraph Co., 
1,000 " American Surety Company, . 
Illinois Central Railroad bonds, 
Galves., Harrisb. & San Antonio R.R. bonds, 
Northern Railway of California bonds, . 
Oregon & California Railroad bonds, 
Southern Pacific of Arizona Railroad bonds, 
Southern Pacific of California R.R bonds, 
527 shares Chicago & Alton Railroad, 
800 shares Pullman's Palace Car Company, 
City of Nashville, Tennessee, bonds, 
Nashv., Chatta. & St. Louis R.R. bonds, . 
280 shares Mercantile Nat. Bank of N. Y., 
Utah Territory bonds, .... 
Tennessee State bonds, .... 
Georgia State bonds, .... 

Richm ,York River & Chesap'ke R.R. bonds, 
N. Y., Susquehanna & Western R.R. bonds, 
Pittsburgh & Western Railroad bonds, . 
Atch., Topeka & Santa Fe Railroad bonds, 
400 shares Pullman's Palace Car Company, 
Omaha city bonds, . 
Louisville city bonds, 
Utah Territory bonds, 
Chicago city bonds, . 
Illinois Central Railroad bonds, 
Southern Pacific of California Railroad bonds 
Oregon and California Railroad bonds, . 
Southern Pacific of Arizona Railroad bonds, 
900 shares American Surety Company, . 
Carolina Central Railroad bonds, 
Savannah, Florida & West. Railroad bonds, 
Utah Territory bonds, .... 
Georgia State bonds, .... 

Pittsb., Cinn., Chicago & St. Louis R.R bonds, 
N. Y., Susquehanna & West. R.R bonds, 
Montgomery City, Alabama, bonds, 
283^ shares Evansville & Terre Haute R.R., 



Market Value. 

$31,500 00. 
33,i60 00 | 
21,900 00 }> 
18,180 00 I 
15,000 00 J 
38,800 00 
226,000 00^ 
64,000 00 J 
30,000 00 [> 
39,000 00 I 
16,600 00 J 
100,000 00 
152,000 OO^j 
36,400 00 
22,500 00 
16,000 00 
18,800 00 
22,500 00 
70,618 00 
130,400 00 
16,006 00 

6,500 00 
58,800 00 
40,850 00 
58,320 00 
34,200 00 

3,060 00 
16,960 00 

5,810 00, 
38,800 00 
65,200 00 

4,750 00 >| 



Amount Loaned. 

$100,000 00 

25,000 00 

250,000 00 

60,000 00 

j> 200,000 00 



60,000 00 
100,000 00 

20,000 00 
40,000 00 



} 125,000 00 



25,000 00 
50,000 00 



9,600 00 J 



23,750 00 

9,800 00 J 
66,500 00 ^ 



J. 25,000 00 



27,000 00 ' 



24,000 00 i 
23,500 00 J 
90,000 00 
58,000 00^ 
31,800 00 
41,800 00 
81,000 00 } 
20,000 00 
10,600 00 
4,560 00 J 
7,366 67 



100,000 00 
50,000 00 

200,000 00 

5,666 67 



136 



NEW YORK LIFE INSURANCE CO. 



Market Value. Amount Loaned. 



1,000 shares Brooklyn City Railroad, 
94 " People's Trust Company, 
15 " Hamilton Trust Company, . 
400 " Mercantile Nat'] Bank of N.Y., 
Illinois Central Railroad bonds, 
Galves., Harrisb & San Antonio R.R. bonds, 
Chesapeake & Ohio Railroad bonds, 
Southern Pacific of Arizona Railroad bonds, 
Houston & Texas Central Railroad bonds, 
150 shares American Surety Company, . 
Tacoma City, Washington, bonds, . 



$16,000 00 

23,500 00 

2,850 00 

84,000 00 

104,500 00 



45,500 00 J 
50,500 00 }> 
47,000 00 
25,500 00 ^ 
15,000 00 
180,000 00 



$30,000 00 
60,000 00 

200,000 00 



12,000 00 
150,000 00 



$3,349,425 67 $2,428,966 67 



Schedule B. 

Stocks and Bonds owned b>j the Company. 

Book Value. Market Value. 

United States bonds $771,723 21 $839,275 00 

Alabama State bonds, 37,621 00 48,240 00 

Mississippi State bonds 19,608 00 20,000 00 

Tennessee State bonds, 588,630 00 619,380 00 

Atlanta City, Ga., bonds, 5,107 13 5,100 00 

Atlanta City, Ga., bonds 96,560 00 100,000 00 

Austin City, Tex., water and elee. light bonds, . 186,600 00 200,000 00 

Boston, Mass., bonds 774,080 00 801,732 95 

Callaway County, Missouri, bonds • . . 120,000 00 120,000 00 

Chicago, Illinois, bonds, 25,000 00 25,000 00 

Custer County, Montana, bonds, . . . 54,311 28 54,311 28 

Dallas City, Texas, bonds, .... 446,198 77 453,539 85 

Douglass County, Neb., bonds, . . . 81,817 81 81,817 81 

Elizabeth City, X. J., bonds 324,998 45 343,825 00 

Flatbush, X. Y , water bonds 19,626 00 22,000 00 

Port Worth, Texas, water bonds, . . . 221,314 85 221,314 85 

Galveston City, Texas, bonds 173,730 00 174,988 33 

Indianapolis, Indiana, bonds 212,000 00 214,120 00 

Jersey City, X. J., bonds, 1,884,015 90 1,931,605 43 

Jefferson County, Alabama, bonds, . . . 302,790 62 302,790 62 

Louisville City, Ky., bonds, .... 750,000 00 750,000 00 

Lincoln County, Wash., bonds, . . . 63,479 98 63,479 98 

Madison County, Alabama, bonds, . . . 60,296 86 60,296 86 

Montgomery City, Alabama, bonds, . . 203,243 65 204,600 00 

Memphis City, Tenn., bonds, .... 103,609 65 105,000 00 

New York City. X. Y., bonds 104,514 51 124,457 47 

Newark, N. J., bonds, 784,966 00 813,346 67 

Nashville City, Tenn , bonds 300,000 00 300,000 00 

North Knoxville, Tenn., bonds, . . . 100,000 00 102,000 00 

Ottawa City, Canada, bonds 107,852 90 107,852 90 

Omaha City, Neb., bonds, .... 27,669 22 27,669 22 



NEW YORK LIFE INSURANCE CO. 



137 



Petersburg City, Va., bonds, 

Pierce County, Wash., bonds, 

Peoria Township, 111., bonds, 

Province of Quebec, bonds, 

Quebec City, Canada, bonds, 

Richmond City, Va., bonds, 

Seattle, Wash , bonds, 

St. Paul, Minn., bonds, 

Sanitary District of Chicago, 111 , bonds, 

San Antonio, Texas, bonds, 

School District, Multnomah Co., Ore., bonds, 

School District, Spokane Co., Wash., bonds, 

School District, Salt Lake City, Utah, bonds, 

Tazewell County, 111., bonds, . 

Waco City, Texas, bonds, . 

West Chicago Town, 111., bonds, 

Whatcom County, Wash., bonds, 

Bulgarian government, French rentes, 

Argentine Republic government bonds, 

Brazilian government bonds, . 

Hungarian government bonds, 

Italian government bonds, 

Prussian government bonds, 

Russian gov't 1st, 2d and 3d series, 4s, bonds 

Russian Consol'd Interior Railway bonds, 

Servian government bonds, 

Swiss government loans, . 

Swedish government bonds, 

Wurtemburg government bonds, 

Adirondack Hail road bonds, 

Albany & Susquehanna Railroad bonds, 

Atlantic & Gulf Railroad bonds, 

Atchison, Topeka & Santa Fe Railroad bonds 

Burlington, C. R. & Northern R.R. bonds, 

Boston, Hoosac Tunnel & Western R.R. bonds 

Buffalo, Bradford & Pittsburgh RR. bonds, 

Cedar Rapids, I. F. & No. W. R.R. bonds, 

Chateauga}' Ore & Iron Co. Railroad bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

Chicago, Milwaukee & St Paul R.R. bonds, 

Chicago & Northwestern Railroad bonds, 

Chic, St. Paul, Minn. & Omaha R.R. bonds, 

Chicago & Western Indiana Railroad bonds, 

Chicago & Eastern Illinois Railroad bonds, 

Chicago & St. Louis Railroad bonds, 

Chicago, Rock Island & Pacific R.R. bonds, 

Chesapeake & Ohio Railroad bonds, 

Cincinnati, Hamilton & Dayton R.R. bonds, 



Book Value. 

$30,000 00 
352,431 08 
99,598 80 
87,470 95 
200,000 00 
289,290 00 
499,800 00 
186,738 60 
770,961 23 
266,221 05 
75,726 47 
98,625 59 
153,072 85 
55,500 00 
94,000 00 
436,146 26 
409,495 85 
19,093 63 
24,100 08 
107,125 84 
99,548 25 
515,481 15 
856,061 69 
1,688,792 41 
40,053 13 
1,657 60 
19,029 70 
89,894 12 
47,124 33 
973,649 16 
883,301 29 
117,514 62 
1,386,843 75 
169,032 60 
190,835 88 
74,003 86 
449,122 55 
495,939 76 
591,208 82 
728,681 67 
5,554,051 80 
1,191,854 99 
1,005,987 04 
274,308 08 
276,730 80 
243,170 81 
615,652 93 
985,038 48 



Market Value. 

|33,600 00 
358,775 00 
99,598 80 
87,470 95 
200,000 00 
316,000 00 
500,000 00 
218,000 00 
770,961 23 
272,576 67 
75,000 00 
99,000 00 
153,072 85 
55,800 00 
94,000 00 
436,146 26 
411,937 66 
19,185 29 
25,701 25 
104,752 04 
116,691 00 
510,924 10 
841,268 36 
1,731,771 88 
40,445 62 
1,418 55 
19,604 94 
91,582 40 
47,502 26 
973,649 16 
985,642 50 
118,720 00 
1,176,472 50 
191,202 20 
196,666 67 
72,000 00 
441,000 00 
495,939 76 
595,000 00 
769,930 00 
5,789,979 17 
1,265,250 00 
1,160,000 00* 
291,465 00 
268,920 00 
250,000 00 
656,497 83 
1,015,833 33 



138 



NEW YORK LIFE INSURANCE CO. 



Cincinnati, Lafayette & Chicago R.R. bonds, . 
Cincinnati, Sandusky & Cleveland R.R. bonds, 
Cleve., Col., Cincin. & Indianap. R.R. bonds, 
Canadian Pacific Railroad bonds, 
Central R.R. & Banking Co of Ga. bonds, 
Central R.R. of New Jersey bonds, 
Denver & Rio Grande Railroad bonds, 
Detroit, Bay City & Alpena Railroad bonds, 
Delaware & Hudson Canal Co bonds, 
Evansville & Indianap. Railroad bonds, . 
Evansville & Terre Haute Railroad bonds, 
East Tennessee, Virginia & Ga. R.R. bonds, 
Flint & Pere Marquette Railroad bonds, . 
Fremont, Elkhorn & Mo Valley R.R bonds, 
Indianapolis & St. Louis Railroad bonds, 
Iowa Midland Railroad bonds, . 
Kalamazoo, Allegan & G. R. Railroad bonds, 
Kan. City, St. Jo & Council Bluffs R R. bonds 
Lake Shore and Mich. Southern R.R. bonds, 
Long Dock Co. Railroad bonds, 
Lowell & Suburban Railroad bonds, 
Louisiana Western Railroad bonds, . 
Louisville & Frankf & Lex. & F. R.R. bonds 
Lehigh Valley Railroad bonds, 
Mahoning Coal Railroad bonds, 
Metropolitan Elevated Railroad bonds, . 
Memphis & Charleston Railroad bonds, . 
Michigan Central Railroad bonds, . 
Minneapolis & St. Louis Railroad bonds, 
Minneapolis Union Railroad bonds, . 
Morgan's Louisiana & Texas R.R. bonds, 
Mobile & Girard Railroad bonds, 
Midland of New Jersey Railroad bonds, 
Missouri Pacific Railroad bonds, 
New York Elevated Railroad bonds, 
New York Central & Hudson River R.R. bonds 
New York & Harlem Railroad bonds, 
New York, Lake Erie & Western R.R. bonds, 
N. Y., L. E. & West. Docks & Im Co. R.R. bonds, 
New York, Lackawanna & Western R.R. bonds, 
New York, Susq. & Western Railroad bonds, . 
Nebraska Railway bonds, . 

Nashville, Chattanooga & St. Louis R R. b'ds, 
Northern Pacific Railroad bonds, 
Northern Illinois Railroad bonds, . 
Northwestern Grand Trunk Railroad bonds, . 
Ohio, Indiana & Western Railroad bonds, 
Peoria, Decatur & Evansville Railroad bonds, 



Book Value. 

$183,141 97 

593,932 95 

1,302,890 04 

1,069,800 91 

1,483,601 52 

2,343,824 35 

710,029 19 

146,075 00 

317,305 12 

675,789 30 

563,039 09 

488,332 83 

117,752 90 

1,057,509 83 

155,856 96 

58,638 25 

177,897 25 

158,129 25 

2,321,789 61 

1,312,247 42 

690,700 32 

313,843 19 

117,594 97 

2,826,647 11 

362,508 28 

319,163 69 

296,517 00 

55,997 87 

160,600 00 

510,893 84 

818,414 03 

159,072 50 

344,979 87 

1,035,988 53 

764,148 72 

1,010,358 96 

1,030,810 89 

2,312,097 99 

1,562,237 19 

1,597,613 40 

225,358 43 

77,706 76 

388,529 63 

1,731,940 29 

497,796 67 

46,111 10 

307,947 73 

144,979 41 



Market Value. 

$181,929 4G 

592,020 00 

1,574,160 00 

1,|<92,300 00 

1,416,666 67 

2,605,755 00 

743,833 45 

81,000 00 

356,800 00 

729,300 00 

554,343 31 

436,825 00 

115,000 00 

$8,115 00 

164,895 00 

60,000 00 

174,150 00 

168,000 00 

2,487,083 33 

1,322,250 00 

699,953 33 

312,000 00 

118,650 00 

2,900,000 00 

436,000 00 

375,570 00 

266,250 00 

60,000 00 

176,000 00 

550,800 00 

844,580 00 

-7,500 00 

371,200 00 

950,000 00 

768,900 00 

1,210,000 00 

1,170,000 00 

2,660,000 00 

1,575,0*0 00 

1,905,000 00 

258,750 00 

80,250 00 

350,000 00 

1,795,000 00 

526,666 67 

43,890 00 

311.250 00 

103,870 00 



NEW YORK LIFE INSURANCE CO. 



139 



Pennsylvania Company bonds, 
Philadelphia & Reading Railroad bonds, 
Philadelphia and Reading Car Trust bonds, 
Pitts., Cincinnati & St. Louis Railroad bonds, 
Pitts , Cincinnati, Chic. & St. Louis R.R. b'ds, 
Quincy, Alton & St. Louis Railroad bonds, 
Rensselaer & Saratoga Railroad bonds, . 
Rochester & Pittsburgh Railroad bonds, . 
Rochester & Pittsburgh Railroad bonds, . 
South Carolina Railroad bonds, 
St. Louis, Jacksonville & Chicago R.R. bonds 
St. Paul, Minn. & Manitoba Railroad bonds, 
St. Paul & Northern Pacific Railroad bonds, 
Savannah, Florida & Western Railroad bonds 
Taylor's Falls & Lake Superior R.R. bonds, 
Toledo & Ohio Central Railroad bonds, . 
Terre Haute & Indianapolis Railroad bonds, 
Texas & New Orleans Railroad bonds, 
Union Railway Company, N. Y , bonds, 
Virginia & Tennessee Railroad bonds, 
West Shore Railroad bonds, 
Western Transit Company bonds, . 
Wheeling & Lake Erie Railroad bonds, 
Willmar & Sioux Falls Railroad bonds, 
American Safe Deposit Company bonds, 
American Dock & Improvement Co. bonds, 
Equitable Gas Light Co., New York, bonds, 
Equitable Gas Light Co., Baltimore, bonds, 
Madison Sq. Garden Co., New York, bonds, 
People's Gas Light & Coke Co. of Chic, b'ds, 
St. Paul, Minn., Gas Light Company bonds, 
U'n Sav. B'k & Trust Co ,Tacoma, Wash., b'ds 
Western Union Telegraph Company bonds, 
11,300 shares Chicago & Northwestern R R., 
5,000 " Valley Railroad, 
100 " American Ex. Nat'l Bank, N. Y. 
187 " Merchants' Nat'l Bank, N. Y., 
11 " Nat'l B'k of the Republic, N. Y. 
77 " Bank of America, New York, 
2,744 " Central National Bank, N. Y., 
1,584 " Manhattan Safe Deposit Co., 
5,375 " N. Y. Security & T'st Co., N. Y., 



Book Value. 

$1,048,048 10 

233,707 67 

380,000 00 

55,154 28 

1,004,922 65 

154,582 08 

9,504 94 

71,995 41 

116,700 74 

189,189 00 

170,000 00 

2,191,904 69 

1,277,136 55 

330,079 43 

211,988 88 

248,750 00 

327,034 90 

310,632 04 

58,135 80 

63,814 09 

2,105,204 38 

90,000 00 

381,490 60 

478,295 58 

53,668 56 

400,990 07 

148,881 69 

219,848 03 

744,000 00 

574,516 00 

398,933 93 

500,000 00 

427,737 30 

1,438,389 58 

502,500 00 

10,025 00 

11,112 58 

907 50 

8,484 00 

329,280 00 

101,300 00 

829,900 00 



Market Value. 

f 1,075,000 00 
237,992 07 
379,987 33 

56,416 67 

1,000,000 00 

154,870 83 

12,776 25 

78,000 00 
115,000 00 
189,050 00 
171,700 00 
2 320,000 00 
1,380,000 00 
310,500 00 
224,700 00 
250,000 00 
327,034 90 
303,045 83 

57,951 67 

67,280 00 
2,156,875 00 

90,000 00 
420,000 00 
509,966 67 

53,668 56 
434,000 00 
146,260 00 
253,080 00 
793,600 00 
658,875 00 
420,000 00 
500,000 00 
463,050 00 
1,582,000 00 
550,000 00 

15,000 00 

14,025 00 
1,925 00 

15,400 00 

356,720 00 

101,300 00 

1,209,375 00 



$5,908,223 50 $89,992,636 45 



140 



NORTHWESTERN MUTUAL LIFE INSURANCE CO. 



"NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY," 
MILWAUKEE, WISCONSIN. 

Incdrporated March, 1857. Commenced business Nov. 25, 1858. 

II. L. Palmer, President. J. W. Skinner, Secretary. 



Income. 

Cash received for premiums on new policies, 

Cash received for renewal premiums, 

Premium notes received for renewals, 

Premiums paid by dividends, . 

by reconverted additions, 
bv surrendered policies, 

Cash received for annuities, 

Total, 

Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 

Profit and loss account, 

Total income, ....... 

Net or ledger assets Dec. 31, 1892, .... 



Total, 



&1,714,518 57 

9,626,598 81 

90,941 57 

161,337 92 

21,655 00 

293,072 41 

10,690 18 

$11,921,814 49 

. 2,985,589 72 

1,335 13 

55,535 44 

4,623 90 

814.968,898 68 

51,057,772 15 

§69,026,670 83 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loaus used in payment of same, 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

Cash paid for surrendered policies, 

Premium notos or loans used in purchase of surrendered 

policies, and voided by lapse, 

Surrender values, including reconverted additions applied 

in payment of premiums, 

Cash dividends paid policy-holders, .... 

Dividends applied in payment of premiums, . 
Premium notes or loans used in payment of dividends, . 



$3,166,^00 11 

15,264 12 

358,426 45 

1,918 16 

?3,542,408 84 

1,187 85 

302,394 39 

16,483 91 

293,072 44 

899,198 72 

185,992 92 

58,770 23 



Total paid policy-holders, . 



^5,299,509 30 



NORTHWESTERN MUTUAL LIFE INSURANCE CO. 



141 



Cash paid for commissions to agents, 

for salaries and travelling expenses of 
for medical examiners' fees, . 
for salaries of officers and office employ 
for taxes and fees, .... 

for rent, 

for commuting commissions, . 
for furniture and office lixtures, 
for advertising, .... 
for incidentals, .... 

for profit and loss account, 

Total disbursements, 



agents, 
ees, 



Balance, 



$1,412,599 79 

34,533 38 

91,662 59 

210,197 02 

163,389 60 

4,705 08 

20,110 13 

2,172 41 

6,373 50 

307,650 73 

32,141 67 

$7,585,045 20 

£61,141,025 63 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
Premium notes or loans on policies in force, . 
Par value of stocks and bonds owned (schedule A) 
Cash in company's office, . 
Cash dfejDosiled in bank, . 
Agents 1 ledger balances, . 
Suspense account, .... 

Ledger assets (as per balance), 

Other Assets. 
Interest due and accrued, .... 

Rents due and accrued, 

Market value of stocks and bonds, over par, . 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 



$1,051,037 49 

51,412,788 28 

476,096 97 

5,289,965 00 

235,387 74 

2,917,404 61 

48,885 54 

10,000 00 

$61,441,625 63 



933,633 87 

8,888 74 

345,657 14 



Total, 

Deduct loading (20 per cent ), 

Net am't of uncollected and deferred prem's, — 

Total assets per company's books, 

Items not admitted. 
Agents 1 balances, .... 
Suspense account, . . . . 
Total 

Total admitted assets, 
Deduct special deposits in other States, 

Balance, 



$651,771 00 
1,024,951 00 

$1,676,722 00 
335,344 40 



1,341,377 60 
,071,182 98 



$48,885 54 
10,000 00 



58,885 54 

$64,012,297 44 

124,100 00 

$63,888,197 44 



142 NORTHWESTERN MUTUAL LIFE INSURANCE CO. 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 percent.), . . . $52,366,766 00 
Death losses and matured endowments in proc- 
ess of adjustment, $ 232.006 97 

Claims resisted by the company, . . . 36,500 00 

Total policy claims, 268,506 97 

Unpaid dividends of surplus due policyholders, . . . 123,139 21 
Reserve for paid-up insurance claimable, .... 57,469 00 

Premiums paid in advance, 7,500 00 

Accrued commissions, 10,000 00 



Liabilities as to policy-holders, f 52,833,381 18 

Deduct liabilities on special deposits, 124,100 00 



$52,709,281 18 
Surplus as regards policy-holders, 11,178,916 26 

Gross liabilities, $63,888,197 44 



Premium Note Account. 

Premium notes on hand Dec. 31, 1892, . . $487,812 62 
Premium notes received during 1893, . . 92,166 80 

Total, $579,979 42 

Used in payment of losses and claims, . . $17,182 28 
Used in payment of surrendered policies and 

voided by lapse, 16,483 91 

Used in payment of dividends to policy-holders, 58,770 23 
Redeemed by maker in cash, .... 11,446 03 

Total, 103,882 45 



Balance note assets Dec 31, 1893, $476,096 97 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1892. 

Number. Amount. Total No. Total Amount. 

Whole life, . . .103,190 $252,501,807 00 

Endowment, . . . 24,542 55,158,415 00 

All other, .... 617 4,852,381 00 

128,349 $312,512,603 00 

Policies issued during the Year. 
Whole life, . . . 16,638 $38,502,131 00 
Endowment, . . . 3,898 8,664,618 00 

Allother,. ... 407 1,302,03200 

20,943 48,468,781 00 



NORTHWESTERN MUTUAL LIFE INSURANCE CO. 



143 



Old Policies revived. 

Number. Amount. 



Total No. 



Total Amount. 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 
All other, . 



302 

51 

3 



$921,643 00 

160,094 00 

24,999 00 



356 $1,106,736 00 



Old Policies increased. 
37 



10 
11 



$128,438 00 



58 



Additions by dividends, 



128,438 00 
2,439,516 00 



Total, 149,706 $364,656,07-4 00 



Policies terminated during the Year. 
Whole life, . . . 10,283 $29,094,489 00 
Endowment, . . . 2,523 6,395,637 00 
All other, .... 490 4,013,001 00 





13,296 


$39,503,127 00 




How terminated. 


By death, . 


. 1,209 


$3,226,351 00 


maturity, 


217 


358,863 00 


expiry, . 


342 


3,397,308 CO 


surrender, . 


. 1,905 


3,899,375 00 


lapse, . 


. 6,855 


16,013,201 00 


change and dec 


rease, . - 


4,712,771 00 


Not taken, 


. 2,768 


7,895,258 00 



13,296 39,503,127 00 



Whole life, 
Endowment, 
All other, . 



Policies in Force Dec. 31, 1893. 

. 109,884 $262,968,458 00 

. 25,978 57,668,754 00 

548 4,515,735 00 



136,410 $325,152,947 00 



Schedule A. 

Bonds owned by the Company. 

Par Value. 



United States bonds, . 
Kansas City, Mo., bonds, . 
City of Sheboygan, Wis., bonds, 
City of Beloit, Wis , bonds, 
City of Milwaukee, Wis , bonds, 
City of Omaha, Neb., bonds, 
City of Springfield, 111., bonds, 
City of Morrison, 111., bonds, . 



$110,000 00 

75,000 00 

50,000 00 

38,500 00 

1,051,000 00 

220,500 00 

12,700 00 

1,000 00 



Market Value. 

$124,100 00 

82,083 33 

50,833 33 

40,211 10 

1,071,700 00 

232,177 50 

13,038 67 

1,035 00 



144 



NORTHWESTERN MUTUAL LIFE INSURANCE CO. 



Town of Ehvood, 111., bonds, . 
County of Buffalo, Wis., bonds, 
County of Mercer, Ohio, bonds, 
County of Dodge, Neb., bonds, 
City of Alton, 111., bonds, . 
County of Wyandotte, Kan., bonds, . 
County of Dubuque, la , bonds, 
City of Albion, Mich., bonds, . 
County of Pickaway, Ohio, bonds, . 
County of Reno, Kan., bonds, . 
County of Adams, Neb , bonds, 
City of Colorado Springs, Col., bonds, 
County of Marion, Kan., bonds, 
County of Gage, Neb , bonds, . 
County of Washington, Neb , bonds, 
County of Muskingum, Ohio, bonds, 
City of Kearney, Neb., bonds, . 
County of Dallas, Tex., bonds,. 
County of Boone, Neb., bonds, . 
State of Alabama bonds, . 
County of Bexar, Tex., bonds, . 
County of Saunders, Neb., bonds, 
County of Polk, Neb , bonds, . 
County of Waco, Tex., bonds, . 
City of Birmingham, Ala., bonds, 
County of Williamson, Tex , bonds, 
City of Spokane, Wash., bonds, 
City of Sheboygan, Wis., bonds, 
City of San Antonio, Tex., bonds, 
City of Cheyenne, Wyo., bonds, 
City of Beatrice, Neb., bonds, . 
Chicago (West Town), 111., bonds, 
City of Lincoln, Neb., bonds, . 
County of Tarrant, Tex., bonds, 
City of Neenah, Wis., bonds, . 
Chicago (North Town), 111., bonds, 
County of Wyandotte, Kan , bonds, 
County of Osage, Kan., bonds, . 
County of Henry, Ohio, bonds, 
City of'Evanston, III , bonds, . 
County of Waco, Tex., bonds, . 
City of Frankfort, Ind., bonds, . 
County of Emmett, la., bonds, . 
County of Fillmore, Neb., bonds, 
County of Fayette, Ind., bonds, 
City of Nashville, Tenn , bonds, 
County of Galveston, Texas, bonds, 
County of Davidson, Texas, bonds, . 



Par Value. 

$13,500 00 
12,000 00 
52,000 00 
50,000 00 
10,000 00 
94,000 00 
38,400 00 
50,000 00 
57,000 00 
50,000 00 
40,000 00 
111,000 00 
43,000 00 
4*, 000 00 
74,000 00 
50,000 00 
17,000 00 
235,000 00 
20,000 00 
50,000 00 
240,000 00 
6,000 00 
10,000 00 
30,000 00 
110,000 00 
41,500 00 
300,000 00 
35,000 00 
12,000 00 
71,500 00 
13,000 00 
500,000 00 
25,000 00 
75,865 00 
60,000 00 
30,000 00 
75,000 00 
20,000 00 
35,000 00 
29,500 00 
41,000 00 
12,000 00 
20,000 00 
50,000 00 
19,000 00 
100,000 00 
100,000 CO 
195,000 00 



Market Valoe. 

flS.994 38 

13,020 00 
55,120 00 
52,750 00 
10,833 33 
99,170 00 
39,424 00 
53,-250 00 
59,280 00 
58,750 00 
41,800 00 

121,860 00 
47,694 16 
49,960 00 
77,145 00 
51,750 00 
20,400 00 

252,233 34 
25,000 00 
52,000 00 

257,000 00 

7,500 <»0 

13,500 00 

31,650 00 

129,800 00 
44,543 33 

340,500 00 
35,393 75 
14,040 00 
82,940 00 
13,433 33 

537,500 00 
26,125 00 
80,754 03 
63,000 00 
31,875 00 
80,810 50 
22,400 00 
36,050 00 
30,163 75 
46,740 00 
12,340 00 
20,650 00 
52,250 00 
19,593 75 

101,125 00 

106,111 14 

207,187 50 



THE PENN MUTUAL LIFE INSURANCE CO. 



145 



County of Wabash, Ind , bonds, 
County of Wells, Ind., bonds, . 
County of Tippecanoe, Ind., bonds, 
City of Beatrice, Neb., bonds, . 
County of Waukesha, Wis., bonds, 
City of Galveston, Texas, bonds, 



Par Value. 

$25,000 00 
20,000 00 

175,000 00 
50,000 00 
40,000 00 
50,000 00 



Market Value. 

$25,614 59 
20,460 00 

181,708 33 
55,500 00 
43,400 00 
52,750 00 



$5,289,965 00 $5,635,622 14 



'THE PENN MUTUAL LIFE INSURANCE COMPANY," 
PHILADELPHIA, PA. 

[Incorporated Feb. 24, 1847. Commenced business May 25, 1847.] 

Edward M. Needles, President. Henry C. Brown, Secretary. 

Income. 

Cash received for premiums on new policies, .... $1,066,706 97 

Cash received for renewal premiums, 3,189,859 20 

Premium notes received for new policies, .... 27,085 61 

Premium notes received for renewals, 107,874 70 

Premiums paid by dividends, 594,797 44 

Cash received for annuities, 34,731 10 






Total, 

Deduct amount paid for re-insurance, 

Total premium income, 
Cash received for interest, 

for rents of company's property, 
for profits on bonds or stocks sold, 



Total income, .... 
Net or ledger assets Dec. 31, 1892, . 



Total, 



$5,021,055 02 
2,781 44 

$5,018,273 58 

1,084,224 91 

25,788 31 

2,047 86 

$6,130,334 66 
19,815,542 55 

$25,945,877 21 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

Cash pmid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Cash dividends paid policy-holders, .... 

Dividends applied in payment of premiums, . 
Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 



$1,427,397 87 

28,174 33 

183,387 78 

605 22 

$1,639,565 20 

7,300 70 

396,438 94 

50,955 75 

10,848 12 

671,7?9 60 

85,504 36 

$2,862,362 67 



146 



THE PENN MUTUAL LIFE INSURANCE CO. 



Cash paid for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiners' fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for furniture and office fixtures, 
for advertising, printing, etc., 

for incidentals, 

for profit and loss account, .... 

Total disbursements, 



$508,318 07 
112,334 56 

50,195 85 
101,785 00 
157,209 98 

32,487 47 
2,383 72 

32,448 36 

54,750 72 
127,959 53 



84,042,235 93 



Balance, 



821,903,641 28 



Invested in the following : — 



Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

•Cash in company's office, 

•Cash deposited in bank, 

Bills receivable, 

Agents' ledger balances, 

Ledger assets (as per balance), 
[Deduct depreciation from cost of assets, 



$1,272,304 15 

10,129,302 04 

1,584,303 02 

1,182,982 00 

769,226 62 

6,374,589 26 

22,233 23 

483,400 00 

76,913 27 

8,387 69 

$21,903,641 28 
3,769 26 



Total net or ledger assets, 



§21,899,872 02 



Other Assets. 

Interest due and accrued, 

Bents due and accrued, 

Uncollected premiums on policies in force, . $398,927 55 
Deferred premiums on policies in force, . . 396,686 98 

Total, $795,614 53 

Deduct loading (20 per cent.),. . . . 159,122 91 



Net amount of uncollected and deferred premiums, 
Total assets per company's books, . 



233,554 57 
3,993 03 



636,491 62 



$22,773,911 24 



THE PENN MUTUAL LIFE INSURANCE CO. 



147 



Items not admitted. 

Agents' balances, 

Bills receivable, 

Total, 

Total admitted assets, 

Deduct special deposits in other States, . 



Balance, 



$8,387 69 
76,913 27 



55,300 96 



$22,688,610 28 
11,200 00 



$22,677,410 2S 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . $19,991,686 00 
Deduct net value of re-insured risks, 57,869 00 

Net re-insurance reserve, . 
Death losses and matured endowments in process 

ment, 

Unpaid dividends of surplus due policy-holders, 
Life rate endowment fund, 
Scrip outstanding, .... 
Premiums paid in advance, 



Liabilities as to policy-holders, ► 
Deduct liabilities on special deposits, 



Surplus as regards policy-holders, . 
Gross liabilities, 



of adjust- 



$19,933,817 00 

78,729 00 

59,784 19 

599,931 48 

8,630 00 

16,298 12 



$20,697,189 79 
11,200 00 



$20,685,989 79 
. 1,991,420 49 



$22,677,410 28 



Premium Note Account. 

Premium notes on hand Dec. 31, 1892, , . $624,238 27 

Premium notes received during 1893, . . 317,883 00 

Total, $942,12127 

Used in payment of losses and claims, . . $28,779 55 

Used in payment of surrendered policies and 

voided by lapse, 50,955 75 

Used in payment of dividends to policy-hold- 
ers, 85,504 36 

Redeemed by maker in cash, .... 7,654 99 

Total, 172,894 65 



Balance note assets Dec. 31, 1893, 



$769,226 62 



148 



THE PENN MUTUAL LIFE INSURANCE CO. 



Exhibit of Policies. 
Policies and Additions in Force Dec 31, 1892. 





Number. 


Amount. Total No. Total Amount. 


Whole life, 


. 29,003 


$80,663,997 00 


Endowment, 


. 14,036 


32,450,093 00 


All other, . 


. 1,571 


4,270,082 00 


Reversionary additions, 


. — 


501,246 00 
44,610 8117,885,418 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Tear. 

. 5,533 814,601,473 00 

. 2,204 6,203,337 00 

272 961,550 00 



8,009 21,766,300 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 



270 
291 
532 



8538,241 00 

308,717 00 

1,542,092 00 



1,093 2,389,050 00 



Whole life, 
Endowment, 



Old Policies changed and increased. 

13 846,500 00 

60,500 00 



14 



Additions by dividends, . 

Total,. 



27 



107,000 00 
114,488 00 



. 53,739 $142,262,316 00 



Policies terminated during the \ 

Whole life, . . . 3,871 $11,537,712 00 
Endowment, . . . 1,724 4,552,680 00 
All other, .... 659 1,884,206 00 



6,254 $17,974,598 00 



How tcrmiyiated. 



By death, . . . . 


524 


$1,190,652 00 






maturity, 


94 


183,993 00 






expiry, . 


191 


501,000 00 






surrender, . 


830 


2,021,129 00 






lapse, . 


3,074 


8,419,889 00 






change and decrease, . 


46 


567,285 00 






Not taken, 


1,495 


4,790,650 00 


6,254 


17,974,598 00 



THE PENN MUTUAL LIFE INSUKANCE CO. 



149 



Policies in Force Dec. 31, 1S93. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Number. Amount. Total No. 

30,948 $84,312,499 00 

14,821 34,469,967 00 

1,716 4,917,700 00 

587,552 00 



Total Amount. 



47,485 $124,287,718 00 



Schedule A. 
Securities held as Collateral. 



Paid-up policy, and other collateral, 

Austin (Tex.) Water, Light & Power Co. bonds 

Hudson Riv. Water Power & Paper Co. bonds 

Life policies, 

250 shares Minnesota Title Ins. & Trust Co., 
Marietta and North Georgia Railway bonds, 
Sioux City Street Railway bonds, . 
Zanesville and Ohio River Railway bonds, 
Hutchinson (Kan.) Water, L't & Power Co. bds 
6,000 shares Hutch. (Kan.) W., L. & P. Co bds. 

496 " Hutchinson Street Railway Co., 

200 " Kansas First Mortgage Co., . 
55 " Edison Elect. Light Co. of Phila. 

550 " Edison Elect Light Co. of Phila. 
Camden (N. J.) Horse Railroad bonds, . 
Woodstown (N. J.) water bonds, 
The Woodstown & Swedesboro' R.R bonds, 
Marietta & North Georgia R.R. bonds, . 
500 shares Duquesne Traction Co., . 
500 shares Philadelphia Traction Co., 
Lynchburg & Durham R.R. bonds, . 
South Carolina bonds, .... 
Columbus (Ohio) Street Railway bonds, . 
Consolidated Traction Co. of New Jersey b'ds 

13 shares Edison Elect. Light Co. of Phila., 
200 " Lehigh Coal and Navigation Co., 
300 " Pittsburg & Birmingham Tract. Co. 
Ft. Worth & Rio Grande R.R. bonds, 
Consolidated Traction Co. of New Jersey b'ds 
Ohio River Railway Co bonds, 
City of Lynchburg (Va.) bonds, 
City of Pittsburg (Pa.) improvement bonds, 
State of Pennsylvania bonds, . 
City of Philadelphia bonds, 
15 shares United Secu'y Life Ins. and Trust Co 
10 shares Edison Electric Light Co. of Phila 



Market Value. 

$5,046 78 
68,250 00 
10,000 00 ? 
2,826 00 \ 
23,750 00 
19,800 00 
54,860 00 
60,000 00 
92,000 00 >| 



Loaned Thereon. 

$5,000 00 
30,000 00 

10,000 00 

15,400 00 

19,800 00 

53,899 45 

60,000 00 



120,000 00 [ 

29,760 00 ( 

9,124 00 J 

6,600 00 

66,000 00 

3,500 00^ 

25,000 00 < 

1,000 oo ; 

1,022,100 00 

10,500 00 

43,500 00 

118,800 00 

10,250 00-) 

6,300 00 i 
12,750 00 ) 

1,560 00 
10,200 00 >| 

3,900 00 | 
15,000 00 > 
12,750 00 J 

9,250 00^ 
13,000 00 

1,224 00 n 

1,695 00 i 
800 00 ) 

1,980 00 ) 

1,200 00 S 



100,000 00 

5,000 00 
50,000 00 

25,000 00 

60,000 00 
39,000 00 

105,403 57 

22,400 00 

1,000 00 

40,000 00 

10,000 00 
3,000 00 

2,000 00 



150 



THE PENN MUTUAL LIFE INSURANCE CO. 



Market Value. 

Toledo (Ohio) Electric Street Railway bonds, $51,000 00 

Duluth (Minn.) Street Railway bonds, . . 16,150 00 

900 shares Camden Horse Railroad Co., . . 58,500 00 

600 shares Metropolitan Traction Co., . . 59,400 00 

Hutchinson, Kansas, city warrants, ... 6,000 00 

72 shares Frankford & Southw'k City P. R.R , 23,400 00 

65 " Thirteenth & FifVnth St. R'way Co., 13,975 00 

100 " Edison Electric Light Co. of Phila., 12,000 00 

36 " Electric Traction Co., . . . 1,548 00 

200 " Baltimore Traction Co., . . . 3,200 00 

100 " Lehigh Coal and Navigation Co., . 5,100 00 

City Water & Light Co. of Abilene, Kansas, . 45,000 00 

Scioto Water Co. bonds, 2,500 0° 

Kansas Water and Light Co. bonds, . . . 4,500 00 

Crawfordsville Water and Light Ex. bonds, . 10,800 00 

United Terminal bonds, 10,400 00 

Cape Girardeau Southwestern bonds, . . 5,000 00 

Richtield (Kansas) school bonds, . . . 2,850 00 

Consolidated Gas and Electric Light Co. bonds, 17,100 00 

Topeka (Kansas) Water Co. bonds, . . . 4,500 00 

Shelbyville (111.) Water and Light Co. bonds, 2,700 00 

Indiana (Shelbyville) Water & Light Co. b'ds, 8,100 00 

American Debenture bonds, .... 9,000 00 

Assign m't and mtg. property at Easton, Pa., . 6,000 00 

500 shares Philadelphia Traction Co., . . 43,500 00 

20() shares Duquesne Traction Co., . . . 4,200 00 

Consolidated Traction Co. of New Jersey b'ds, 17,000 00 

North Chicago Street Railway Co. bonds, . 12,000 00 

Baltimore Traction Co. bonds, .... 28,260 00 

Pittsburgh Traction Co. bonds, . . . 15,450 00 

Metropolitan Cross-town Railway bonds, . 18,000 00 

Catharine & Bainbridge Streets R'way bonds, . 3,000 00 

Phoenix Iron Co. bonds, 55,800 00 

Assignm'tsof mtgs. on prop, at Phoenixville, Pa., 15,567 26 

325 shares Metropolitan Traction Co., . . 32,175 00 

25 " Philadelphia Traction Co., . . 2,175 00 

200 " Metropolitan Traction Co., . . 19,800 00 

150 " Philadelphia Traction Co., . . 13,050 00 

150 " Metropolitan Traction Co., . . 14,850 00 

550 " Philadelphia Traction Co., . . 47,850 00 

100 " Baltimore Traction Co., . . . 1,600 00 



Loaned Thereon. 

I $50,000 00 

30,000 00 

45,000 00 

5,400 00 

17,000 00 

1 

> 30,000 00 

I 

J 



}> 98,000 00 



} 



50,000 00 



}> 60,000 00 

J 

I 56,000 00 

| 28,000 00 

| 25,000 00 

I 50,000 00 



Mortgages assigned, . 



$2,617,276 04 $1,201,303 02 
383,000 00 383,000 00 



$3,000,276 04 $1,584,303 02 



THE PENN MUTUAL LIFE INSURANCE CO. 



151 



Schedule B. 
Stocks and Bonds owned by the Company. 



U. S. registered bonds, .... 
Pennsylvania Railroad bonds, . 
Pennsylvania Equipment Trust certificates, 
American Steamship Company bonds, 
Northern Central Railway bonds, 
North Pennsylvania Railroad bonds, 
Philadelphia & Reading Railroad, . 
Philadelphia, Reading & New England R.R., 
North East Pennsylvania Railroad bonds, 
Cornwall & Lebanon Car Trust certificates, 
Allentown & Bethlehem, Pa., bonds, 
Dutchess County Railroad bonds, . 
Northwestern N. C. Railroad bonds, 
E. Tenn., Va. & Ga. & Rich. & Dan. R.R. bonds 
Marietta & North Georgia Railway bonds, 
Norfolk & Western Railroad bonds, 
Columbus & Cin., O. Midland R.R. bonds, 
Ohio River Railroad bonds, 
Toledo Belt Railway bonds, 
Toledo, O., Electric Street Railway bonds, 
Toledo & Ohio Central Extension R.R. bonds, 
Grand Rapids & Indiana Railroad bonds, 
Terre Haute & Logansport Ind. R.R. bonds, 
Chicago & West Michigan Railway bonds, 
Jacksonville, Louisville & St. Louis R'y bonds 
Venice & Carondelet Railway bonds, 
Venice & Carondelet Railway bonds, 
Sioux City, la., Terminal Railroad bonds, 
Minneapolis & St. Louis Railroad bonds, 
Minneapolis & Duluth Railroad bonds, . 
St. Louis Merchants Bridge Company bonds, 
United Security Life Ins. & Trust Co. bonds, 
Chester, Pa., bonds, .... 
West Chester, Pa , Gas Co. bonds, . 
Duquesne Club, Pittsburgh, Pa , bonds, 
Johnstown, Pa., School District bonds, 
Salem, N. J., bonds, .... 
County of Rockbridge, Va., bonds, . 
City of Charleston, W. Va., school bonds 
City of Wilmington, N. C, bonds, . 
Winston Township, N. C, bonds, 
Durham, N. C, bonds, 
City of Fernandina, Fla., bonds, 
Xenia City, O., bonds, 



Par Value. 

$115,000 00 

206,000 00 

100,000 00 

25,000 00 

110,000 00 

100,000 00 

267,000 00 

122,000 00 

100,000 00 

53,000 00 

90,000 00 

15,000 00 

105,000 00 

100,000 00 

105,000 00 

100,000 00 

150,000 00 

100,000 00 

103,000 00 

100,000 00 

125,000 00 

100,000 00 

100,000 00 

100,000 00 

53,000 00 

100,000 00 

100,000 00 

150,000 00 

100,000 00 

50,000 00 

75,000 00 

50,000 00 

100,000 00 

60,000 00 

101,000 00 

50,000 00 

50,000 00 

65,000 00 

55,000 00 

90,000 00 

65,000 00 

70,000 00 

32,000 00 

5,000 00 



Market Value. 

| 128,800 00 

243,560 00 

95,000 00 

25,500 00 

121,550 00 

127,000 00 

271,750 00 

56,250 00 

95,000 00 

53,000 00 

96,300 00 

13,500 00 

63,000 00 

65,000 00 

31,500 00 

95,000 00 

138,000 00 

100,000 00 

103,000 00 

100,000 00 

100,000 00 

75,000 00 

110,000 00 

60,000 00 

39,750 00 

100,000 00 

100,000 00 

139,500 00 

115,000 00 

55,000 00 

73,125 00 

50,000 00 

110,000 00 

61,500 00 

101,000 00 

51,000 00 

52,500 00 

66,300 00 

57,200 00 

92,700 00 

66,950 00 

70,000 00 

32,610 00 

5,050 00 



152 



THE PENN MUTUAL LIFE INSURANCE CO. 



Board of Education of Xenia, 0., bonds, 
Piqua City, O., school-house bonds, . 
Findlay, O., bonds, . 
Ravenna, O., bonds, . 
City of Lima, O., bonds, . 
Louisville, Ky., city bonds, 
Evansville, Tnd., bonds, 
St. Joseph, Mo., bonds, 
Atchison, Kan , bonds, 
City & Township of Independence, Kan., b'ds 
County of Saline, Kan., bonds, 
Minneapolis General Electric Co. bonds, 
City of Duluth. Minn., bonds, . 
Duluth, Minn., Board of Trade bonds, 
Lincoln City, Neb , bonds, 
Nebraska City, Neb , bonds, 
Hastings. Neb., bonds, 
City of Beatrice, Neb., bonds, 
City of Hastings, Neb., bonds, 
Commercial Club, Ft. Worth, Tex., bonds, 
National Water Works Investment Co., bonds 
National Water Works Co. of N. Y. bonds, 
Hudson River Water Power & Paper Co. b'ds 
Jamestown, N. Y , water bonds, 
Chillicothe, O., Gas & Water Company bonds 
Hamilton & Rossville, O , Hydraulic Co. bonds 
St. Joseph, Mo., Water Co. bonds, . 
Joplin, Mo., Water Co. bonds, . 
Hot Springs, Ark , Water Co. bonds, 
Union Stock l r ard Co. of Sioux City, la., bonds 
Burlington, la., Water Company bonds, . 
Boonville, Mo., Water Company bonds, . 
Champaign & Urbana, 111., W. & El. L't Co. Vds 
Freeport, 111., Water Company bonds, 
Lincoln, Neb., Gas Company bonds, 
Austin, Tex., Water Company bonds, 
500 shares Delaware Insurance Co., Phila., 
100 " Western National Bank, Phila., 
76 " Bank of North America, Phila., 
50 " Girard National Bank, Phila., 



Par Valuo. 

$20,000 00 

4,000 00 

50,000 00 

60,000 00 

150,000 00 
50,000 00 
45,000 00 

100,000 00 
75,000 00 
32,700 00 
84,000 00 
50,000 00 
50,000 00 
40,000 00 
40,000 00 

100,000 00 

100,000 00 
50,000 00 
13,000 00 
20,000 00 

100,000 00 

100,000 00 
50,000 00 

150,000 00 
83,500 00 
50,000 00 

100,000 00 
75,000 00 

100,000 00 
90,000 no 
30,000 00 
50,000 00 

100,000 00 

104,000 00 
50,000 00 

130,000 00 

12,500 00 

5,000 00 

7,600 00 

2,000 00 



Market Value. 

$20,400 00 

4,120 00 

52,000 00 

62,400 00 

157,500 00 
60,000 00 
42,750 00 

110,000 00 
61,500 00 
35,970 00 
86,520 00 
49,500 00 
52,000 00 
40,400 00 
42,000 00 

103,000 00 

101,000 00 
50,000 00 
13,130 00 
20,800 00 
97,500 00 
90,000 00 
51,500 00 

154,500 00 
84,335 00 
50,500 00 

105,000 00 
78,000 00 

102,000 00 
85,500 00 
31,800 00 
49,C00 00 
97,500 00 

107,120 00 
51,000 00 

117,000 00 

12,250 00 

9,000 00 

20,900 00 

4,500 00 



Cost value, 



1,535,300 00 $6,370,820 00 
. 6,374,589 26 



PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 153 



"PROVIDENT LIFE AND TRUST COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated March 22, 1865. Commenced business June. 1865.] 

Paid-up Capital, $1,000,000. 

Samuel R. Shipley, President. Asa S. Wing, Vice-Prest and Actuary. 






Income. 

Cash received for premiums on new policies, . 
Cash received for renewal premiums, 
Premium notes received for renewals, 
Premiums paid by dividends, including additions, 
Cash received for annuities, .... 

Total, 

Cash received for interest, .... 
for rents of company's property, 
on investments of capital,* 

i 
Total income, ...... 

Net or ledger assets Dec. 31, 1892, . 



Total, 



$440,000 00 

2,763,379 43 

2,366 77 

491,400 02 

76,850 41 

$3,773,996 63 

1,109,618 18 

23,588 59 

46,970 00 

$4,954,173 40 
22,007,290 87 

$26,961,464 27 



Disbursements. 

Cash paid for losses and additions, $815,109 00 

Cash paid for matured endowments and additions, . . 476,576 00 

Gross amount paid for losses and endowments, . . $1,291,685 00 

Cash paid to annuitants, 24,380 80 

Cash paid for surrendered policies, 271,695 36 

Dividends applied in payment of premiums, .... 491,400 02 

Premium notes or loans used in payment of dividends, . . 2,664 32 

Total paid policy-holders, $2,081,825 50 



* The charter, besides authority to transact a life insurance business, confers also authority 
to act as administrator, executor, etc., to transact what is known as a trust business. The rela- 
tions of the two departments of the business are fixed by the provisions of the charter. The 
accounts are kept entirely distinct and separate. The entire surplus in the insurance depart- 
ment accumulates for the benefit of the policy-holders. The only advantage, direct or indirect, 
which the stockholders can at any time have from the union of the two features of the business 
results from the fact that the management of the trust business, from which they derive their 
profits, is done for them without charge. This includes the interest on the capital. 



154 PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 



Cash paid for dividends to stockholders, 
for commissions to agents, 
for salaries and travelling expenses of agents, 
for medical examiners' fees, . 
for salaries of officers and office employees, 
for taxes and fees, . 

for rent, 

for furniture and office fixtures, 

for advertising, 

for incidentals, 

for expenses on real estate, 

Total disbursements, .... 



Balance, 



$46,970 00 

317,264 54 
24,376 37 
20,586 98 

138,578 87 
69,243 75 
11,514 22 
26,345 85 
10,553 73 
50,261 12 

119,036 84 

. $2,916,557 77 
$24,044,906 50 



Invested in the following : — 



Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies'in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office and in bank, 

Ledger assets (as per balance), .... 
Deduct depreciation from cost of assets, . 

Total net or ledger assets, .... 



81,276,667 37 

10,143,430 84 

2,005,083 26 

1,650,781 16 

23,125 10 

8,906,351 74 

39,467 03 



£24,044,906 50 
226,731 74 

£23,818,174 76 



Other Assets. 

Interest due and accrued, 254,003 04 

Rents due and accrued, 1,216 bb 

Uncollected premiums on policies in force, . $274,782 83 
Deferred premiums on policies in force, . . 554,474 97 

Total, $829,257 80 

Deduct loading (20 per cent.), . . . 165,85156 

Net ain't of uncollected and deferred prem's, 663,406 24 

Total assets per company's books, .... $24,736,800 59 



PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 155 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent), . . . $21,588,515 00 

Death losses and matured endowments in proc- 
ess of adjustment, $65,309 00 



Due and unpaid on annuity claims, . 

Total policy claims, . 
Unpaid dividends of surplus due policy-holders, 
Reserve on lapsed policies, 
Premiums paid in advance, 
Miscellaneous, 



Liabilities as to policy-holders, 
Surplus as regards policy-holders, . 
Paid-up capital, . 

Surplus over capital, 

Gross liabilities, 



1,331 73 



66,640 73 

48,612 82 

98,093 00 

100,256 95 

196 60 



$21,902,315 10 



. $2,831,485 49 



. 1,000,000 00 
. 1,834,485 49 



$24,736,800 59 



Premium Note Account. 

Premium notes on hand Dec. 31, 1892, . . $24,157 33 
Premium notes received during 1893, . . 2,366 77 



Total 

L"sed in payment of dividends to policy 

holders, • 

Redeemed by maker in cash, . 



Total, 

Balance note assets Dec. 31, 1893, 



$2,664 32 
734 68 



$26,521 10 



3,399 00 



$23,125 10 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1892. 





Number. 


Amount. Total No. 


Total Amount. 


Whole life, 


. 2,619 


$9,488,877 00 




Endowment, 


. 25,405 


76,003,396 00 




All other, . 


. 1,872 


8,534,793 00 




Reversionary additions, 


. 


699,467 00 








29,896 


891,726,533 00 



Whole life, 
Endowment, 
All other, . 



Policies issued daring the Year. 

309 $1,196,824 00 
. 2,363 6,620,770 00 
. 1,084 5,202,600 00 



3,756 13,020,194 00 



156 PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 







Old Policies revived. 








Number. 


Amount. Total No. 


Total Amount. 


Whole life. 


. • 


12 


$99,000 00 




Endowment, 


. 


88 


322,027 00 




All other, . 


• 


12 


39,427 00 

11° 


|460 v 454 00 










Old Policies increased and changed. 




Whole life, 


, . 


11 


$22,000 00 




Endowment, 


, 


89 


326,500 00 




All other, . 


• 


4 


14,067 00 

101 


362,567 00 
137,521 00 


Additions by 


dividends, 


... 





Total, . 



Whole life, 
Endowment, 
All other, . 



33,868 $108,707,269 00 



Policies terminated during the Year. 
189 $786,889 00 

. 1,795 5,521,358 00 
519 2,568,860 00 







2,503 $8,877,107 00 








How terminated. 




By death, . 


. 


251 ' $882,436 00 




maturity, 


-. 


171 476,576 00 




surrender, . 


. 


604 2,111,899 00 




lapse, . 


. 


1,303 4,465,696 00 




change and deer 


ease, 


104 628,500 00 




Not taken, . 


, 


70 312,000 00 








° 503 


8,877,107 00 








Policies in Force Dec. 31, 1893. 




Whole life, 


, 


. 2,762 $10,019,812 00 




Endowment, 


. 


. 26,150 77,751,335 00 




All other, . 


. 


. 2,453 11.284,460 00 




Reversionary additions, 


774,555 00 








31,365 


$99,830,162 00 



Schedule A. 
Securities held as Collateral. 



Lehigh Coal & Navigation Company, 

Susquehanna Coal Company, . 

100 shares Lehigh Valley Railroad, . 
20 " El mira & Williamsport Railroad, 
10 " L. Schuylkill Nav. R.R. & Coal Co. 

219 " The Mortgage Trust Co. of Penn 
23 " Chic., Rock Island & Pacific Ry., 
30 « N. Y., N. Haven & Hartford R.R., 
5 " Home Insurance Company, 
10 " Insurance Co. of North America, 



Market Value. Loaned Thereon. 

$2,540 00^ 
1,150 00 I 



1,800 00 }> 

450 00 ! 

680 00 j 

2,508 00 

1,449 00 >| 



$7,200 00 



22,000 00 



5,700 00 \ 



600 00 
180 00 J 



)> 5,000 00 



PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 157 



165 shares West Laurel Hill Cemetery Co., 
100 shares Metropolitan Traction Company, 
Philadelphia & Reading Railroad, . 
900 shares Lehigh Coal and Navigation Co., 

25 " People's Bank, 

10 " Philadelphia & Gray's Ferry Ry., 

80 " Union Passenger Railway, 
307 " United Firemen's Insurance Co., 
Little Miami Railroad, .... 
100 shares Metropolitan Traction Company, 
Consolidated Traction Company, 
Consolidated Traction Company, scrip, . 
Tampa Street Railway and Power Company, 
Kansas City, Pittsburgh & Gulf Railroad, 
40 shares Citizens' Street Railway, . 

3 " Pennsylvania Salt Company, . 
16 " Mine Hill & Schuylkill Haven R.R 
40 " Little Schuylkill Railroad, 
42 " Insurance Co of North America, 
71 " Lehigh Coal & Navigation Co., 
78 " Pennsylvania Railroad, 
Lehigh Coal & Navigation Company, 
300 shares Chester Co Guar. T. & S. D. Co., 
Western Mortgages on Real Estate, 
Northern Pacific Railroad and Land Grant, 
120 shares Westmoreland Coal Company, 
119 " Phila & Gray's Ferry Pass. Ry., 
300 " Philadelphia Traction Company, 

75 " Metropolitan Traction Company, 
Crosstown Street Railway Company, 
Lawrence Township, Kansas, . 
McPherson Township, Kansas,. 
Western Mortgages on Real Estate, 
Jackson County, Kansas, . 
McPherson Township, Kansas, 
350 shares Metropolitan Traction Company, 
150 shares Chester Co. Guar. T. & S. D. Co., 
Pennsylvania & N. Y. Canal & Railroad Co., 
Pennsylvania Company, .... 
Huntingdon & Broad Top M. R.R. & Coal Co. 
Western New York & Pennsylvania Railroad 
Baltimore & Ohio Southwestern Railroad, 
Buffalo Railway Company, 
Consolidated Traction Company, 
200 shares Merchants' Trust Company, . 

50 " Chic. June. Ry & Union Stocky'd Co 

71 " Philadelphia & Trenton Railroad, 
York Haven Paper Company, . 
500 shares Lehigh Coal & Navigation Co., 



Market Value. 

$24,750 00 
9,900 00 

28,500 00 

45,900 00 
5,000 00 >| 
750 00 ■ 

16,000 00 

3,914 25 

1,000 00 

9,900 001 

2,520 00 

420 00 

1,000 00 

700 00 j 

800 00 J 

285 00 1 

1,120 00 | 

2,720 00 | 

756 00 } 

3,621 00 

1,344 00 

663 00 J 

30,000 00 ? 

25,000 00 S 
5,500 00 
6,240 00 ) 
8,925 00 S 

26,100 00 ) 
7,425 00 ) 

32,400 00 
5,000 00 ^ 
2,500 00 
6,400 00 > 
5,000 00 ) 
2,500 00 S 

31,650 00 

15,000 00 
3,210 00 
1,060 00 1 
2,535 00 5 

20,000 001 
8,400 00 
2,880 00 

17,640 00 
2,500 00 
4,640 00 J 

16,064 00 
2,000 00 

25,500 00 



Loaned Thereon. 

$11,300 00 
63,293 75 

16,600 00 
800 00 

}> 11,000 00 



4,741 67 



20,000 00 

4,000 00 
10,000 00 

27,513 89 
24,479 17 

9,000 00 

6,000 00 

19,000 00 

10,000 00 

1,443 00 

1,895 00 



J> 45,r00 00 

1,800 00 
20,500 00 



158 PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 



680 shares Investment Co. o£ Philadelphia, 

20 " Edison Electric Light Company, 

9 " Guarantee Trust & Safe Deposit Co 
807 " Metropolitan Traction Co. of X. Y 
Philadelphia, Reading & New England R.R., 
Penn-Argyle Water Company, 

Bay State Gas Company, .... 
Philadelphia & Reading Railroad, . 
50 shares Philadelphia & Erie Railroad, . 
Philadelphia, Reading & New England R.R., 
Citizens' Passenger Railway Co., Indianapolis 

Cit} T of Reading, 

Kansas City Suburban Belt Railroad, 

21 shares Thomas Iron Company, . 

305 " Philadelphia & Reading Railroad, 
100 " Northern Pacific Railway, 
50 " Tradesmen's National Bank, . 
Union Pacific, Denver & Gulf Railroad, . 
100 shares Chicago, Milwaukee & St. Paul Ry. 
100 " Consolidated Traction Company, 
600 " United Gas Improvement Company 
600 " New York & New England R.R., 
100 " Finance Company of Pennsylvania 
140 " Consolidation National Bank, . 
Bergner & Engle Brewing Company, 
Dutchess County Railroad, . . 
500 shares North Shore Traction Company, 

20 shares Philadelphia & Reading Railroad, 
People's Passenger Railway stock certificates 

500 shares United Gas Improvement Co., 
1,500 " Baltimore Traction Company, 

100 " West Chicago Street Railroad, 
75 " North Chicago Street Railroad, 

100 " Brooklyn Traction Company, 

100 " H. & B. T. Mt. R.R. & Coal Co., 

10 " West End Trust & Safe Dep. Co 
5 " Charleston Mining & M'f'g Co., 

Sigua Iron Company (debenture 6s), 
30 shares Sigua Iron Company, . 
Texas & Pacific Railway bonds, 
50 shares Excelsior Brick and Stone Co., 
City of Pittsburgh water loan, . 
Philadelphia & Reading Railroad bonds, 
Penn Construction Company, . 
200 shares Wabash Railway, . 
50 shares Camden & Atlantic Railroad, . 
Camden Horse Car Railroad, . 
150 shares Metropolitan Tract'n Co. of N. Y., 



Market Value 

|4,760 001 

2,480 00 

1,710 00 

79,893 00 

7,000 00 

3,000 00 

470 00 

380 00 

1,150 00 

5,000 00 

4,000 00 

1,000 00 

3,000 00 

1,218 00 

2,440 00 

400 00 

5,000 00 

2,800 00 

5,800 00 

3,700 00 

35,400 00 

7,800 00 

9,400 00 >j 



Loaned Thereon. 



} $158,850 00 



9.100 00 



12,000 00 , 

13,500 00 J 

8,500 00} 

160 00 

680 00 > 

29,500 00 

24,000 00} 

14.500 00 ! 

18,675 00 J 

6,500 001 

5,000 00 ' 

480 00 

1,000 00 

900 00 >" 

750 00 

1,080 00 

ioo oo ; 

1,130 00 
6,300 00 ^ 
4,000 00 I 
2,600 00 | 
1,050 00 J 
22,500 00 
14,850 00 



}> 27,000 00 



7,000 00 

10,000 00 
48,000 00 



14,500 00 

1,000 00 
12,000 00 



15,000 00 
7,500 00 



PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 159 



Market Value. Loaned Thereon. 



1,290 shares Philadelphia Traction Co., . 

Mortgage on real estate, .... 

Union Pacific, Denver & Gulf Railroad, . 

73 shares Cambria Iron Company, . 

24 shares Westmoreland Coal Company, 

Ashtabula & Pittsburgh Railway, . 

Grand Rapids & Indiana Railroad, . 

1,500 shares Broadway & Seventh Ave. R.R., 
250 " Griswold Worsted Company, 
24 " Second & Third Sts. Pass. R'y, 
50 u Pennsylvania Warehousing Co , 
200 " Noithern Central Railway, . 
150 " New Orleans City & Lake R.R., 

Lynn & Boston Railroad bonds, 

5,000 shares Lehigh Valley Railroad, 
500 " Insurance Co. of North America, 
200 " Metropolitan Traction Company 
80 " Philadelphia Mort. & Trust Co., 
200 " West Chicago Street R.R Co , 
200 " United Gas Improvement Co., 
560 " Investment Co. of Philadelphia, 
50 " Provide Life & T't Co. of Phila 

Lehigh Valley Railroad, . . . . 

28 shares Mortgage Trust Co. of Pa., 

50 " Pennsylvania Railroad, 

50 " Philadelphia Traction Company, 

Consolidated Traction Co. of New Jersey, 

45 shares Baltimore Traction Co., S., 
100 " H. & B. T. Mt. R.R & C. Co , p'f d, 

46 " U't'd. Sec. L. Ins. & T. Co of Pa., 
Philadelphia & Reading Railroad, . 
173 shares Metropolitan Traction Co., 
100 " United Gas Improvement Co., 
100 " Northern Pacific Railway, 

52 " H. & B. T. Mt. R.R. & Coal Co., 
Philadelphia & Reading Railroad, . 

60 shares Baltimore Traction Company, 
100 " New York & New England R.R., 
250 " Philadelphia Traction Company, 
Union Pacific, Denver & Gulf Railroad, . 
Lehigh Coal and Navigation Company, . 
Bond of Morris, Tasker & Company, 
550 shares Metropolitan Traction Company 
660 " Union Passenger Railway, . 
1,954 " United Gas Improvement Co., 
City of Tacoma Water & Light Company, 
27 shares Elmira & Williamsport Railroad, 
Philadelphia city loan, 



. $112,230 00 £ 
10,000 00 S 


$82,904 50 


4,000 00 


4,700 00 


3,650 00 


3,200 00 


1,248 00 


800 00 


1,150 00 > 
1,500 00 S 


2,350 00 


247,500 00 


200,000 00 


37,500 00 


18,250 00 


. . 4,920 00 x 
9,250 00 i 


20,000 00 


13,800 00 ) 




17,850 00 


14,685 00 


93,750 00 


75,000 00 


. 180,000 00 


122,662 50 


9,000 00^ 




19,800 00 | 




8,000 00 1 
29,000 00 ) 


85,000 00 


11,800 00 




3,920 00 ( 




20,000 00 J 




1,300 00 


300 00 


3,696 00 


2,800 00 


2,400 00^ 
4,350 00 ) 


» 10,600 00 


6,720 00 J 




720 00^ 




14,600 00 I 
6,072 00 I 


. 20,000 00 


1,140 00, 




17,127 00>| 




5,900 00 




400 00 




1,664 00 


► 25,000 00 


1,140 00 




960 00 




1,300 00, 




47,850 00 


31,703 67 


4,800 00 


7,000 00 


2,540 00 


2,000 00 


57,777 78 


20,000 00 


v, 54,450 00 


50,000 00 


132,000 00 


98,327 78 


115,286 00 


75,000 00 


60,000 00 


50,000 00 


1,755 00 


500 00 


2,060 00 


1,750 00 



160 PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 



100 shares Fourth Street National Bank, . 
Atlantic City Water Works Company, 
New York City Water Works Company, 
Macon Gas Light & Water Company, 
Metropolitan Crosstown Railway, . 
North Chicago Street Railroad, 
Catharine & Bain bridge Streets Railroad, 
Pittsburgh Traction Company, 
Baltimore Traction Com pan}*, . 
600 shares Pittsburgh Traction Company, 
300 " Metropolitan Traction Company, 
500 ** Metropolitan Traction Company, 
900 " Philadelphia Traction Company, 
500 " Philadelphia Traction Company, 
600 " Duquesne Traction Company, 



Market Value. Loaned Thereon. 

8 14,500 00 $13,000 00 
13,500 00 ) 

7,200 00 ( 15 ' 000 00 
13,680 00 11,200 00 
25,500 00^ 
20,0C0 00 ! 

4,250 00 }> 97,933 33 
21,250 00 J 
40,250 00 J 
31,800 00 i 

29,700 00 \ 50,000 00 
49,500 00 1 

78,300 00 \ 100,000 00 
43,5'JO 00 
12,600 00 



I 50,000 00 



12,683 751 03 f 2,005,083 26 



Schedule B. 

Slocks and Bonds owned by the 



Penn. & N. Y. Canal & R.R. Co. bonds, 
Atlantic City R.R. bonds, . 
Lehigh Valley R.R bonds, 
Richmond & Danville R R. bonds, 
Philadelphia & Erie R.R. bonds, 
Verdigris Valley, Ind. & West. R.R. bonds, 
Central R.R. Co. of New Jersey bonds, . 
Western New York & Penn. R R. bonds, 

300 shares Central National Bank of Phila., 
2,640 shares The United Gas Imp. Co., . 
Car Trust of New York bonds, 
Lehigh Valley R.R. bonds, 
Easton & Amboy R.R. bonds, . 
Lehigh Coal and Navigation Co. bonds, . 
Baltimore & Ohio R.R. bonds, . 
Northern Pacific R.R. bonds, . 
City of Louisville, Kentucky, bonds, 
Lehigh and Wilkesbarre Coal Co. bonds, 
Pennsylvania R.R. con. mortgage bonds, 
Northern Central Railway bonds, . 
Kentucky & Indiana Bridge Co. bonds, 
Phila. & Baltimore Central R.R. bonds, 
Texas & Pacific Railway bonds, 
North Pennsylvania R.R. bonds, 
Catasauqua and Fogelsville R.R. bonds, 
Missouri Pacific R.R. bonds, 
Verdigris Valley, Ind. & West. R.R. bonds, 



Company. 

Cost Value. 

$227,600 00 

100,000 00 

62,400 00 

105,730 00 

53,110 00 

50,000 00 

55,500 00 

63,240 00 

111,000 00 

158,400 00 

13,120 00 

310,500 00 

226,000 00 

116,250 00 

150,000 00 

152,792 50 

250,000 00 

6,000 00 

265,000 00 

210,000 00 

61,600 00 

110,000 00 

111,000 00 

271,000 00 

36,000 00 

89,000 00 

49,500 00 



Market Value. 

$227,500 00 

100,000 00 

62,400 00 

105,730 00 

53,110 00 

50,000 00 

55,500 00 

63,240 00 

111,000 00 

158,400 00 

13,120 00 

412 920 00 

235,400 00 

121,200 00 

168,000 00 

149,460 00 

250,000 00 

6,000 00 

303,400 00 

271,200 00 

48,000 00 

112,200 00 

115,440 00 

303,520 00 

36,000 00 

85,440 00 

50,000 00 



PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 161 



Central R.R. Co. of New Jersey bonds, . 

City of Richmond, Va., bonds, . 

"West Philadelphia Passenger Railway bonds, 

Lynchburg, Va , bonds, .... 

Texas & Pacific Railway bonds, 

New York, Lake Erie & Western R.R. bonds, 

Philadelphia & Reading R.R. bonds, 

City of Quincy, 111., bonds, 

City of St. Louis, Missouri, bonds, . 

Grand Rapids & Ind R.R. bonds, 

Western Pennsylvania R.R. bonds, . 

Lehigh Coal and Navigation Co. bonds, . 

Mercer County, Ky., bonds, 

Philadelphia & Erie R.R. bonds, 

Chicago, Rock Island & Pacific R.R. bonds, 

City of Frankfort, Ky., bonds, . 

Penn. & New York Canal and R.R. bonds, 

Manhattan Railway Co. bonds, 

Atlantic City R.R. bonds, .... 

Car Trust of New York bonds, 

Wabash RR. bonds, 

Cincinnati City pavement bonds, 

Mortgage Trust Co. of Pennsylvania bonds, 

Belt R.R. and Stock Yard Co. bonds, 

Lehigh Valley Railway bonds, 

The Delaware River Ferry Co. of N. J. bonds 

Northern Pacific R.R. and Land Grant bonds, 

The Allentown Gas Co. bonds, . 

Philadelphia & Reading R.R. bonds, 

N. Y., Lake E. & W. Dock & Imp. Co. bonds, 

City of Jersey City bonds, 

City of Chicago bonds, .... 

Chicago, Mil. & St. Paul Railway bonds, 

Port Reading R.R. bonds, . 

Phila., Wil. & Baltimore R.R. bonds, 

Township of Up. Darby, Del. Co., Pa., bonds, 

County of Cook, 111., bonds, 

Co of Hen'pin, Minn., C. II. & City Hall bonds, 

Philadelphia & Reading R.Li, bonds, 

City of Cincinnati bonds, .... 

Port of Portland, Oregon, bonds, 

Philadelphia & Reading Railroad bonds, . 

University of Pennsylvania bonds, . 

Philadelphia & Reading Railroad bonds, 

United States bonds, 



Cost Value. 

$150,000 00 

125,000 00 

50,000 00 

50,000 00 

18,760 00 

50,000 00 

393,188 75 

100,000 00 

88,000 00 

96,000 00 

151,000 00 

230,000 00 

100,000 00 

98,500 00 

325,133 75 

100,000 00 

250,000 00 

72,800 00 

65,000 00 

118,050 00 

44,800 00 

3,000 00 

2,800 00 

30,000 00 

217,500 00 

19,110 00 

363,445 00 

49,500 00 

18,720 00 

206,850 00 

105,250 00 

200,000 00 

55,000 00 

200,000 00 

3,000 00 

127,000 00 

200,000 00 

106,000 00 

129,675 00 

51,000 00 

52,920 00 

214,245 00 

10,000 00 

2,624 24 

357,837 50 



Market Value. 

$166,500 00 

125,000 00 

56,000 00 

50,000 00 

13,610 00 

50,000 00 

294,500 00 

100,000 00 

88,000 00 

60,000 00 

148,500 00 

230,000 00 

70,000 00 

100,000 00 

320,000 00 

100,000 00 

227,500 00 

74,400 00 

65,000 00 

127,190 00 

46,080 00 

3,000 00 

2,800 00 

30,000 00 

242,500 00 

21,000 00 

137,500 00 

52,250 00 

18,540 00 

197,000 00 

100,000 00 

198,000 00 

57,750 00 

200,000 00 

3,030 00 

127,000 00 

198,000 00 

100,000 00 

133,000 00 

50,000 00 

49,000 00 

204,930 00 

10,000 00 

8,160 00 

355,700 00 



$8,906,351 74 $8,679,620 00 



162 PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY OF N. Y. 



"PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY OF NEW 
YORK," NEW YORK, N. Y. 

[Incorporated Feb. 25, 1875. Commenced business Aug. 10, 1875] 

Paid-up Capital, $100,000. 

Sheppard Homans, President. William E. Stevens, Secretary. 

Income. 
Cash received for premiums on new policies, 



Cash received for renewal premiums, 
Premiums paid by dividends, . 



Total, 

Deduct amount paid for re-insurance, 

Total premium income, 
Cash received for interest, 
Cash received for rents of company's property, 



Total income, .... 
Net or ledger assets Dec. 31, 1892, . 



Total, 



1385,775 11 

1,347,221 98 
356,442 52 

$2,089,439 61 
11,712 43 

$2,077,727 18 
43,452 75 
11,967 25 

82,133,147 18 
1,153,325 69 



$3,286,472 87 



Disbursements. 

Cash paid for losses and additions, .... 
jReceived for losses and claims on policies re-insured, 

Net amount paid for losses and endowments, . 

'Cash paid to annuitants, 

Cash paid for surrendered policies, . 
Cash dividends paid policy-holders, 
Dividends applied in payment of premiums, . 

Total paid policy-holders, .... 

Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of 
for medical examiners 1 fees, . 
for salaries of officers and office employ 
for taxes and fees, .... 
for rent, 

Cash advanced to agents, 

Cash paid for furniture and office fixtures, 

for advertising, .... 
for incidentals, .... 

Total disbursements, 

Balance, 



agents, 
ees, 



$938,373 71 
5,000 00 

$933,373 71 

1,581 40 

4,506 58 

32,879 04 

356,442 52 

$1,328,783 25 

6,977 60 

313,886 68 

29,764 62 

38,455 44 

60,660 87 

22,978 70 

20,394 01 

4,344 84 

2,178 22 

16,006 61 

31,316 28 

$1,875,747 12 

$1,410,725 75 



PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY OF N. Y. 163 



Invested in the following : — 



Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens) , 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Bills receivable, 

Agents' ledger balances, 



Ledger assets (as per balance), 

Deduct depreciation from cost of assets, . 

Total net or ledger assets, 



$234,685 41 

183,400 00 

10,835 79 

3,961 75 

728,178 30 

6,571 73 

135,138 13 

85 00 

107,869 64 

$1,410,725 75 
57,117 50 

$1,353,608 25 



Other Assets. 

Interest due and accrued, .... 

Rents due and accrued, 

Market value of real estate, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent), 

Net am't of uncollected and deferred prem's, . 



14,333 31 

6,628 32 

15,000 00 



$92,270 65 
161,133 24 

$253,403 89 

50,680 77 



Total assets per company's books, . 

Items not admitted. 

Agents' balances, 

Bills receivable, 

Total, - 



202,723 12 
$1,592,293 00 



$107,869 64 
85 00 



107,954 64 



Total admitted assets, 
Deduct special deposits in other States, 



. $1,484,338 36 
67,362 50 



Balance, $1,416,975 86 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), .... $598,321 00 
Deduct net value of re-insured risks, 5,774 00 



Net re-insurance reserve, . 



$592,547 00 



li'4 PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY OF N. Y. 



Death losses and matured endowments in proo 

ess of adjustment, . 
Claims resisted by the company, 

Total policy claims, . 
Premiums paid in advance, 

Liabilities as to policy-holders, 
Deduct liabilities on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, 

Gross liabilities, 



$159,000 00 
50,500 00 



£635,144 09 



$209,500 00 
4,784 77 

1806,881 77 

25,000 00 

$781,831 77 

100,000 00 
535,144 09 



. $1,410,975 86 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1S92. 



Whole life, 


Number. Amount. Total No. 

430 $753,436 00 


Total Amount. 


Endowment, 


520 731,950 00 






All other, . 


. 21,111 75,357,855 00 


22,061 


$76,843,241 00 








Policies issued during the Year. 




Whole life, 


271 $648,500 00 






Endowment, 


227 378,310 00 






All other, . 


. 7,502 22,449,998 00 


8,060 


23,476,808 00 








Old Policies revived. 






Whole life, 


10 $21,000 00 






Endowment, 


6 6,000 00 






All other, . 


39 158,500 00 


55 


185,500 00 








Old Policies increased. 






Whole life, 


$2,000 00 






Endowment, 


6 4,000 00 






All other, . 


27 1,000 00 


33 


7,000 00 






Total, . 


30,209 


$100,512,549 00 




Policies terminated during the Year. 




Whole life, 


181 $387,250 00 






Endowment, 


210 329,500 00 






All other, . 


. 5,285 16,694,365 00 







5,676 $17,411,115 00 



PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY OF N. Y. IG5 







How 


terminated. 








Number. 


Amount. Total No. 


Total Amount. 


By death, . 


. . 


279 


$1,049,100 00 




expiry, . 


. 


. 4,167 


12,930,015 00 




surrender, 


. 


28 


63,000 00 




lapse, . 


. 


211 


342,000 00 




change an 


d decrease, 


8 


224,500 00 




Not taken, . 


. 


983 


2,802,500 00 


$17,411,115 00 




Policies in Force Dec. 31, 1893. 


Whole life, 


• i ■ 


530 


$1,037,686 00 




Endowment, 


. • 


549 


790,760 00 




All other, . 


• • i 


23,454 


81,272,988 00 

24,533 


$83,101,434 00 



Schedule A. 
Securities held as Collateral. 

Market Value. 

375 shares Northern Chief Iron Co., . . $10,000 00 
Texas & Pacific Railroad bonds, . . . 7,300 00 

90 shares Haskell Multicharge Ordnance Co., 2,250 00 



Amount Loaned. 

$5,000 00 

5,000 00 

835 79 



$19,550 00 $10,835 79 



Schedule B. 
Slocks and Bonds owned by the 



400 shares American Cotton Oil Co., . 
200 " Chicago, Mil. & St. Paul R.R., . 
100 " Chicago & Northwestern Railroad, 
25 " Citizens' Nat'lB'k,Englewood, N.J 
20 " Macon, Ga., Savings Bank, 
50 " Provident Nat'l Bank, Waco, Tex., 
50 " Traders' Bank, Tacoma, Wash., 
55 " Washington Trust Co., New York, 
American Cotton Oil Company bonds, 
Atchison, Jewell Co. and W. R.R. bonds/. 
Burlington, Cedar Rapids & N. R.R. bonds, 
Central R.R and Bridge Co bonds, . 
Chesapeake & Ohio R.R. bonds, 
Chicago, Burlington & Quincy R R. bonds, 
Chicago & Erie R.R. bonds, 
Chicago, Rock Island & Pacific R.R. bonds, 
Cincinnati, Sandusky & Cleveland R.R. bonds, 
Duluth, South Shore & Atlantic R.R. bonds, 
E. Tennessee, Virginia & Georgia R.R. bonds, 
Englewood, N. J., school district bonds, . 



Company. 

Cost Value. 

$31,175 00 

12,350 00 

9,687 50 

2,500 00 

1,980 00 

5,000 00 

5,750 00 

10,161 25 

11,112 50 

15,190 00 

9,937 50 

9,950 00 

21,975 00 

10,137 50 

15,056 25 

14,901 25 

5,075 00 

38,712 50 

9,362 50 

10,318 30 



Market Value. 

$24,600 00 

11,375 00 

9,837 50 

3,675 00 

2,000 00 

5,500 00 

5,750 00 

10,161 25 

11,100 00 

12,800 00 

9,587 50 

9,000 00 

25,500 00 

10,100 00 

14,550 00 

15,000 00 

5,250 00 

40,600 00 

8,950 00 

10,318 30 



166 



THE TRAVELERS LIFE INSURANCE CO. 



Fort Worth & Denver City R.R. bonds, 

General Electric bonds, 

Iowa Central R.R. bonds, . 

Kanawha & Michigan R.R. bonds, 

Missouri, Kansas & Texas R.R. bonds, 

Mobile & Ohio R.R. bonds, 

Montreal city bonds, .... 

New York, Chicago & St. Louis R.R. bond 

Northwestern Telegraph Co, bonds, . 

Ohio Southern R.R. bonds, . 

Philadelphia & Reading R.R. bonds, . 

Pittsburgh & Western R.R. bonds, . 

Quebec government bonds, 

Richmond, Va., city bonds, 

Texas & Pacific R.R bonds, 

Toledo, Ann Arbor & L. Michigan R.R. bond: 

Toledo & Ohio Central R.R. bonds, . 

Union Pacific R.R. bonds, . 

Wabash R.R. bonds, .... 

United States bonds, .... 



Cost Value. 

$29,837 50 
12,615 00 

8,975 00 
26,250 00 

7,712 50 
13,500 00 
43,357 50 
18,287 50 
15,900 00 

6,437 50 
22,237 50 
25,137 50 
14,562 50 
10,100 00 
35,166 25 
18,500 00 

7,720 00 

13,450 00 

15,137 50 

132,962 50 



Market Value. 

$20,100 00 

8,520 00 

8,600 00 

26,468 70 

7,900 00 

11,700 00 

40,180 00 

19,500 00 

15,900 00 

5,000 00 

20,475 00 

26,025 00 

13,905 00 

10 100 00 

29,200 00 

10,000 00 

8,580 00 

8,000 00 

15,412 50 

119,840 00 



$728,178 30 $671,060 80 



"THE TRAVELERS INSURANCE COMPANY," HARTFORD, 

CONN. 

[life department.] 

[Incorporated June 17, 1863. Commenced business July 1, 1S66.] 

James G. Batterson, President. Rodney Dennis, Secretary. 



Income. 

Cash received for premiums on new policies, 
for renewal premiums, 
for annuities, 

Total, 

Deduct amount paid for re-insurance, 

Total premium income, 
Cash received for interest, 

for rents of company's property, 
for profits on bonds or stocks sold, 

Total income, 

Net or ledger assets Dec. 31, 1892, . 



$432,931 08 

1,698,237 90 

28,556 81 

$2,159,725 79 
86,006 84 

$2,073,718 95 

588,612 27 

61,987 05 

19,703 64 

12,744,021 91 

12,871,460 70 



Total, 815,615,482 61 



THE TRAVELERS LIFE INSURANCE CO. 



167 



Disbursements. 

Cash paid for losses and additions, .... 
Cash paid for matured endowments and additions, 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies re-insured, 

Net amount paid for losses and endowments, . 
Cash paid to annuitants, .... 
Cash paid for surrendered policies, . 

Total paid policy-holders, . 
Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of agents 
for medical examiners 1 fees, 
for salaries of officers and office employees, 
for taxes and fees, . 

for rent, 

for advertising, .... 
for incidentals, .... 

Total disbursements, .... 

Balance, 



$603,627 61 
133,085 69 



. $736,713 30 


5,270 40 


. $731,442 90 


5,536 50 


. 185,369 90 


. $922,349 30 


. 100,000 00 


. 291,250 33 


51,008 22 


23,241 74 


74,338 36 


25,286 44 


3,083 00 


17,185 57 


41,889 23 



$1,549,632 19 



$14,065,850 42 



Invested in the following : — 



Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Bills receivable, 

Agents' ledger balances, 

Suspense account, 

Ledger assets (as per balance), 
Deduct depreciation from cost of assets, 

Total net or ledger assets, . 



^1,983,477 90 

3,990,485 05 

906,900 00 

603,481 30 

5,935,481 29 

4,596 26 

547,250 15 

18,321 15 

2,360 69 

73,496 63 

$14,065,850 42 

. 1,027,535 21 

$13,038,315 21 



168 



THE TRAVELERS LIFE INSURANCE CO. 



Other Assets 

Interest accrued, $70,517 49 

Uncollected premiums on policies in force, . $294,745 63 
Deferred premiums on policies in force, . . 294,787 88 



Total, $ 589,533 51 

Deduct loading (20 per cent.) 117,906 70 

Iset am't of uncollected and deferred prem's, 471,626 81 



Total assets per company's books, . 



$13*580,459 51 



Agents' balances, 
Bills receivable, 
Suspense account, 



Items not admitted. 



$2,360 69 
18,321 15 
73,496 63 



Total, 



Total admitted assets, 
Deduct special deposits in other States, . 



Balance, 



94,178 47 

$13,486,281 04 
786,525 34 

f 12,699,755 70 



Liabilities. 

Computed premium reserve or net present v 

standing policies (actuaries 1 4 per cent), 
Deduct net value of re-insured risks, 



alue of all out- 



Net re-insurance reserve, . 
Death losses and matured endowments in 

ess of adjustment, .... 
Claims resisted by the company, 

Total policy claims, . 
Reserve for indemnity contracts, 

Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 



Surplus as regards policy-holders, . 
Gross liabilities, .... 



proc 



§12,550,980 00 
172,847 



$12,378,133 00 



£81,703 15 
25,268 80 



106,971 95 
00 

$12,490,104 95 
786,525 34 

$11,703,579 61 
996,176 09 

812,699,755 70 



THE TRAVELERS LIFE INSURANCE CO. 



169 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1892. 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 
All other, . 



Number. 


Amount. Total No. Total Amount. 


17,037 


$33,516,384 00 


7,036 


13,601,993 00 


4,708 


26,685,756 00 




28,781 $73,804,133 00 



Policies issued during the Year. 

. 2,123 $5,051,285 00 
. 1,038 1,910,318 00 
. 1,775 12,218,856 00 



4,936 19,180,159 00 



Old Policies revived. 

16 $52,299 00 

26,784 00 



14 
12 



32,250 00 



42 



111,333 00 



Old Policies transferred and increased. 

40 $134,875 00 

15 48,000 00 

283 743,000 00 
338 



925,875 00 



Total, 34,097 $94,021,800 00 



Whole life, 
Endowment, 
Allother, . 



Policies terminated during the Year. 

. 1,787 04,304,083 00 

936 1,896,749 00 

. 1,250 7,825,101 00 







3,973 


$14,025,933 00 








How terminated. 




By death, . 




283 


$689,318 00 




maturity, 




121 


128,180 00 




expiry, 




97 


255,500 00 




surrender, . 




330 


729,573 00 




lapse, . 




. 1,674 


5,908,499 00 




change and deer 


ease, 


561 


2,239,196 00 




Not taken, . 


• 


907 


4,075,667 00 

3 073 


14,025,933 00 










Policies in Force Dec. 31, 1893. 




Whole life, 


, 


. 17,429 


$34,450,760 00 




Endowment, 


. 


. 7,167 


13,690,346 00 




All other, . 


, 


. 5,528 


31,854,761 00 










30,124 


$79,995,867 00 



170 



THE TRAVELERS LIFE INSURANCE CO. 



1 



Schedule A. 

Securities held as Collateral. 

Market Value. 

Hartford Carpet Company stock, . . . $1,400 00 

Hartford Trust Company stock, Hartford, . 3,200 00 

Bank of North America, New York, . . 560 00 

Galveston, Harris. & San Antonio R.R. bonds, 58,240 00 

Willimantic Linen Company stock, . . . 14,200 00 

Hartford Electric Light Company stock,. . 1,650 00 

Notes of the Hartford Electric Light Co., . 5,000 00 

First National Bank stock, Alamosa, Col., . 6,250 00 

Eagle Lock Company, Terryville, Conn., . 260 00 

So. N. E. Telep. Co. stock, New Haven, Conn., 486 00 

Willimantic Linen Company stock, . . . 4,050 00 

Thomson Elec. Weld. Co stock, Portland, Me., 1,200 00 

Connecticut Fire Ins. Co. stock, . . . 1,150 00 

Bank of Topeka stock, Topeka, Kan., . . 6,000 00 

Chicago & Alton RR. stock, .... 26,65000 

Chase National Bank stock, New York, . . 135,000 00 

Louisville, New Albany & Chicago R.R. bonds, 21,000 00^ 

Savannah & Western R.R. bonds, . . . 3,550 00 

Knoxville & Ohio R.R. bonds, .... 7,680 00 

Chattanooga, Rome & Columbus R.R. bonds, . 7,500 00 

Minneapolis Union R.R. bonds, . . . 11,000 00 

Richmond & West Point Terminal Co. certs., 4,000 00 J 

Assigned note secured by real estate, . . 300 00 

Sundry morts. on real estate assigned to Co., 27,100 00 

State National Bank, Denver, Col 21,600 00 

Sundry morts. on real estate assigned to Co., 68,500 00 

Chicago, Burl. & Quincy R.R stock, . . 377 50 ) 

Hartford Loan & Trust Co. stock, Denver, Col., 3,000 00 S 

Carbonate National Bank, Leadville, Col., . 5,400 00^ 

First National Bank, Durango, Col., . . 2,750 00 

First National Bank, Alamosa, Col , . . 1,875 00 j 

Broadway Investment Co., Denver, Col., . . 5,000 00' 

E. K Welch Manufg Co., Forestville, Conn., . 92,375 00 -n 

Bristol Brass and Clock Co , Bristol, Conn., . 30,787 50 > 

Bristol Manufacturing Co., Bristol, Conn., . 15,862 50 ) 

Houston & Texas Central R.R. bonds, . . 5,000 00 ^ 

Illinois Central R.R bonds, .... 25,000 00 

South Pacific of Arizona R.R. bonds, . . 23,500 00 

Galveston, Harris. & San Antonio R.R. bonds, 27,300 00 

South Pacific of California R.R. bonds, . . 22,500 00 

South and North Alabama R.R. bonds, . . 22,500 00 J 

New York, New Haven & Hartford R.R. stock, 1,080 00 

Parsons L & Heat Co. bonds, Parsons, Kan., 50,000 00 

Gate City Electric St. Ry. bonds, Keokuk, la., 18,500 CO 

Mortgage on real estate assigned, . . . 54,000 00 



Amount Loaned. 
$1,000 00 

3,000 00 
46,500 00 

17,000 00 

5,000 00 
450 00 

3,000 00 

5,000 00 
20,000 00 
60,000 00 

!> 40,000 00 

250 00 
16,000 00 

71,000 00 
1,400 00 

j. 10,000 oo 

45,000 00 



)> 100,000 00 



600 00 
40,000 00 
15,000 00 
45,000 00 



THE TRAVELERS LIFE INSURANCE CO. 



171 



Southern Pacific R.R. bonds (New Mexico), . 
Galveston, Harris. & San Antonio R R. bonds, 
Northern Railway Co. of Cal. bonds, 
Chesapeake & Ohio R.R. bonds, 
Southern Pacific Co. of Kentucky stock, . 
825 shares Third Ave. R.R., N. Y. City, . 
Arizona Territorial bonds, 
Denver Tramway Co. stock, Denver, Col., 
Chicago, Mil. & St. Paul R.R. bonds, 
Mortgage on real estate assigned, 
Policy Penn. Mutual Life Ins. Co. assigned, 
Granite State Prov. Assoc'n, Manchester, X H 
25 shares Niagara Falls Tunnel Land Co., 
^Warranty deed assigned to Co., 
Bond for deed assigned to Co.,. 
Trust deed assigned to Co., 



Market Value. Amount Loaned. 

829,250 00 ^ 
36,400 00 



22,750 00 )> 
38,000 00 | 
5,700 00 j 
138,600 00 
125,000 00 
84,400 00 
14,180 00 
600 00 
1,100 00 ^ 
700 00 j 
1,125 00 }> 
5,000 00 | 
875 00 j 
7,000 00 



§ 100,000 00 



100,000 00 

100,000 00 

42,200 00 

10,000 00 

500 00 



4,000 00 
5,000 00 



81,355,013 50 $906,900 00 



Schedule B. 



Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

Maine State bonds $91,725 00 $90,000 00 

Province of Manitoba, Can., bonds, . . . 79,443 47 83,190 80 

Clark County, Dak., bonds, school district, . 5,952 00 6,200 00 

Riley County, Kan., bonds, .... 48,000 00 50,000 00 

Mecklenburgh County, N. C, bonds, . . 26,812 50 26,812 50 

Pendleton County, Ky., bonds, turnpike, . . 21,200 00 21,200 00 

De Kalb County, Ala., bonds, court house, . 25,000 00 25,000 00 

Otter Tail County, Minn., bonds, . . . 45,500 00 50,000 00 

Butler County, Neb., bonds, .... 57,085 00 52,920 00 

Laramie County, Wyo., bonds, . . . 50,000 00 50,000 00 

Sault Ste. Marie, Ont., town bonds, . . . 50,995 00 50,000 00 

Parkdale, Ont., town bonds, .... 11,76500 12,10000 

Collingwood, Ont., town bonds, school, . . 6,900 00 7,452 00 

Almonte, Ont., town bonds, .... 12,53133 13,15800 

Paris, Ont., town bonds, water works, . . 8,567 75 8,800 00 

Windsor, Ont., town bonds 11,124 84 10,774 54 

Coaticook, Quebec, town bonds, . . . 25,375 00 26 375 00 

Vernon, Conn., town bonds, .... 1 25,000 00 125,00000 

Whitesboro 1 , Tex., town bonds, . . . 10,000 00 10,000 00 

Cedartown, Ga., town bonds, .... 50,000 00 50,000 00 

East Las Vegas, N. M., town bonds, . . 10,200 00 10,200 00 

Frankfort, Dak., township bonds, school, . 1,455 00 1,500 00 

North. Ind., township bonds, school, . . 40,000 00 40,000 00 

Lancaster, Kan., township bonds, railroad, . 14,850 00 15,000 00 

Walnut, Kan., township bonds, railroad, . . 18,000 00 18,000 00 

Rock Creek, Kan., township bonds, railroad, . 25,000 00 25,000 00 



172 



THE TRAVELERS LIFE INSURANCE CO. 



Parker, Kan., township bonds, railroad, 

Canton, Kan., township bonds, railroad, 

Elk, Kan., township bonds, railroad, 

Crawford, Kan., township bonds, railroad 

Blaine, Kan., township bonds, railroad, 

Oswego, Kan., township bonds, funding, 

Winnipeg, Man., city bonds, 

Brandon, Man., city bonds, 

Winona, Minn., city bonds, 

St. Paul, Minn., city bonds, educational, 

Duluth, Minn., city bonds, public improvement 

Superior, Wis , city bonds, 

Colorado City, Col., city bonds, 

Canon City, Col., city bonds, . 

Pueblo, Col., cit}- bonds, water, 

Cheyenne, Wyo., city bonds, water, 

Johnson, Tenn., city bonds, 

Lexington, Ky., city bonds, school, . 

Farmersville, Tex., city bonds, school, 

St. Joseph, Tex., city bonds, school, 

Jacksonville, Fla., city bonds, sanitary, 

Missoula. Mont., city bonds, sewer, . 

Helena, Mont., city bonds, 

Butte, Mont., city bonds, . 

Logan, Utah, city bonds, . 

Council Bluffs, la., city bonds, improvement 

Sioux City, la , city bonds, 

Falls City, Neb., city bonds, 

Tecumseh, Xeb., city bonds, . 

Edgar, Neb., city bonds, . 

Clyde City, Kan., city bonds, . 

Arkansas, Kan., city bonds, school, . 

Ottawa, Kan., city bonds, . 

Kansas City, Kan., city bonds, . 

Sherbrooke, Quebec, city bonds, 

Quebec, Quebec, city bonds, 

Hull, Quebec, city bonds, . 

St. Hyacinthe, Quebec, city bonds, . 

Montreal, Quebec, city bonds, . 

St. Thomas, Ont., city bonds, . 

Toronto, Ont., city bonds, 

Guelph, Ont , city bonds, . 

Port Hope, Ont., city bonds, 

Brantford, Ont., city bonds, 

Stratford, Ont., city bonds, school, . 

Vancouver, B. C, city bonds, . 

Victoria, B. C , city bonds, 

600 shares Hartford City Gas Light Co., 



Cost Value. 

$24,500 00 
l.o,200 00 
13,125 00 
23,875 00 
13,200 00 
10,000 00 
79,470 00 
25,000 00 
33,000 00 
30,500 00 
17,687 61 
22,500 00 

5,000 00 
30,070 00 
22,736 25 
65,000 00 
46,500 00 
30,600 00 
14,000 00 

5,940 00 

4,000 00 
25,750 00 
75,376 30 
20,700 00 
19,000 00 
17,350 00 
23,650 00 
22,560 00 
20,895 00 
12,935 00 

4,375 00 
26,250 00 

8,160 00 
19,400 00 
30,750 00 
49,000 00 
10,200 00 
10,150 00 
54,585 73 
33,765 00 
50,000 00 
81,522 20 
60,600 00 
53,102 50 
11,182 50 
10,920 00 
13,250 00 
28,635 01 



Market Value. 

$25,000 00 

16,000 00 
15,000 00 
25,000 00 
16,000 00 
10,000 00 
80,000 00 
.500 00 
33,000 00 
30,300 00 
17,687 61 
22,500 00 

5,000 00 
51,000 00 
22,736 25 
65,000 00 
46,5*0 00 
30,600 00 
14,000 00 

5,940 00 

4,000 00 
25,750 00 
.374 00 
20.700 00 
20,000 00 
17,170 00 
23,000 00 
24,000 00 
21,000 00 
13,000 00 

5,000 00 
26,250 00 

8,160 00 
18,360 00 
32,100 00 
50,000 00 
10,000 00 
10,100 00 
58,730 00 
33,900 00 
50,000 00 
80,300 00 
60,000 00 
53,625 00 
11,130 00 
10,900 00 
13,437 50 
21,000 00 



THE TRAVELERS LIFE INSURANCE CO. 



173 



2,432 shares Hart. L. & T. Co. stock, Den., Col, 
L. Superior Elevator Co. bonds, Duluth, Minn. 
Hunt Drainage Dist. bonds, Hancock Co., 111. 
Furmington River, Conn., Power Co. bonds, 
"Windsor Locks, Conn., Water Power Co. b'ds 
Fort Smith and Van Buren Bridge Co. bonds 
"Western Union Telegraph Company bonds, 
Grape Creek, 111 , Coal Company bonds, . 
Denver Consolidated Electric Co. bonds, . 
Allentown, Pa., Gas Company bonds, 
Lake Shore & Michigan Southern R.R. bonds 
Cincinnati, Ind., St. Louis & Chic. R.R. bonds 
Mobile & Birmingham Railroad bonds, . 
Atlantic & Pacific Railroad bonds, . 
Oxford & Clarksville Railroad bonds, 
St. Louis & San Francisco Railroad bonds, 
Duluth & Manitoba Railroad bonds, 
Keokuk & Des Moines Railroad bonds, . 
Prescott & Arizona Railroad bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Canadian Pacific Railroad bonds, 
Stillwater & St Paul Railroad bonds, 
Toledo, St. Louis & Kansas City R.R. bonds, 
Staten Island Rapid Transit Railroad bonds, 
Seattle, Lake Shore & Eastern R.R. bonds, 
Lehigh Valley Terminal Railroad bonds, 
Kansas City & Pacific Railroad bonds, 
Kanawha & Michigan Railroad bonds, 
Brooklyn, X. Y , Elevated Railroad bonds, 
Knoxville & Ohio Railroad bonds, . 
Valley, Ohio, Railroad bonds, . 
New Haven & Derby Railroad bonds, 
Eureka Springs Railroad bonds, 
Indiana & Lake Michigan Railroad bonds, 
Pittsburgh & Western Railroad bonds, 
Rio Grande Junction Railroad bonds, 
Philadelphia & Reading Railroad bonds, 
Texas & Pacific Railroad bonds, 
Duluth, South Shore & Atlantic R.R. bonds, 
Chicago & Western Indiana Railroad bonds, 
Black Rocks & Salisbury Beach St. R.R. bonds 
Toledo, Ohio, Electric St. Railroad bonds, 
Naumkeag, Salem, Mass., St. Railroad bonds 
Amsterdam, N. Y., Street Railroad bonds, 
Cons. Light &R'y Co. b'ds, Huntingt'n, W. Va. 
Cceur d'Alene Railway & Nav. Co. bonds, 

500 shares Delaware, Lack. & Western R.R. 
1,650 shares N. Y. Cent. & Hudson R. R.R., 



Cost Value. 

$243,200 00 
25,000 00 
29,000 00 
15,000 00 
38,000 00 
50,400 00 
99,287 50 
27,550 00 
24,375 00 
48,500 00 
2,110 00 
94,000 00 
23,125 00 
43,000 00 
48,750 00 

100,500 00 
50,437 50 
4,950 00 
41,625 00 
65,000 00 
49,000 00 
32,690 00 
87,750 00 
29,000 00 
47,500 00 
53,625 00 
18,590 00 
19,375 00 
28,645 00 
50,880 00 
37,050 00 
98,282 50 
25,000 00 
50,000 00 
44,860 00 
45,000 00 
8,000 00 
31,150 00 
4,825 00 

116,875 00 
22,500 00 
22,125 00 
47,500 00 
47,500 00 
98,000 00 
51,250 00 
33,656 25 

175,425 00 



Market Value. 

$243,200 00 
25,000 00 
29,000 00 
15,000 00 
40,000 00 
50,400 00 
106,500 00 
13,050 00 
25,375 00 
50,000 00 

2,250 00 
91,500 00 
11,250 00 
22,750 00 
22,500 00 
78,000 00 
29,000 00 

9,000 00 
18,000 00 
64,000 00 
54,500 00 
31,220 00 
55,800 00 
27,750 00 
27,500 00 
54,000 00 
17,000 00 
18,812 50 
25,000 00 
48,500 00 
30,000 00 
98,440 00 
18,750 00 
50,000 00 
47,712 50 
43,500 00 

7,000 00 
25,550 00 

5,000 00 
116,000 00 
25,000 00 
22,500 00 
50,000 00 
47,500 00 
98,000 00 
37,500 00 
40,375 00 
162,112 50 



174 



THE UNION CENTRAL LIFE INSURANCE CO. 



1,000 shares Lake Shore & Mich. South'n R.R., 

600 " Rensselaer & Saratoga R R., 

1,000 " Missouri Pacific Railroad, . 

700 " Chic, Rock Island & Pacific R R 

500 " Central Pacific Railroad, 

100 " Boston & Albany Railroad, . 

2,000 " Chicago & Northwestern R.R., 

100 " New York & New England R.R 

300 " Manhattan Railway Company, 

600 " Nat'l Exchange B'k, Hart., Conn. 

1,064 " Hart. Nat'l Bank Hart , Conn., 

197 " First Nat'l Bank, Hart , Conn , 

240 " Charter Oak N'l B'k, Hart., Conn 

266 " Thames N'l B'k, Norwich, Conn. 

300 " First N'l B'k, Wallingford, Conn. 

197 " First N'l B 1 k, Middletown, Conn. 

100 " Metrop. N'l B'k, New York, N Y. 

200 " Am. Ex. N'l B'k, New York, N. Y. 

240 " Mer. Ex. N'l B'k, New York, N. Y 

100 " Nassau Bank, New York, N. Y., 

50 " Citizens' B'k, Minneapolis, Minn. 

50 " Nat'l Ger.-Am. B'k, St. Paul, Minn 

200 " Nat'l B'k of Common w'lth, Boston 

100 " Atlas National Bank, Boston, 

80 " Am. Nat'l B'k, Kansas City, Mo. 

100 " State Nat'l B'k, St. Joseph, Mo , 

100 " Union Nat'l Bank, Denver, Col., 

350 " Conn. T. & S. D. Co., Hart., Conn. 

140 " Security Co., Hartford, Conn., 



Cost Value. 

$122,425 00 

106,800 00 

103,537 50 

85,856 25 

46,612 50 

20,161 50 

236,775 00 

10,955 00 

30,200 00 

43,046 50 

169,512 25 

20,634 38 

29,296 25 

37,236 00 

31,800 00 

20,779 00 

6,515 63 

21,413 00 

11,912 79 

7,250 00 

5,000 00 

12,600 00 

21,212 75 

11,900 00 

8,000 00 

10,600 00 

11,000 00 

29,400 00 

14,736 25 



Market Value. 

$120,250 00 

105,000 00 

21,250 00 

44,187 50 

10 00 

20,025 00 

196,500 00 

3,000 00 

36,750 00 

34,200 00 

160,664 00 

19,700 00 

24,000 00 

39,900 00 

33,000 00 

20,291 00 

170 00 

29,000 00 

13,800 00 

8,000 00 

3,750 00 

5,000 00 

25,000 00 

11,500 00 

3,200 00 

9,500 00 

10,000 00 

56,000 00 

22,400 00 



$5,935,481 29 $5,527,768 20 



"THE UNION CENTRAL LIFE INSURANCE COMPANY," 
CINCINNATI, OHIO. 

[Incorporated 1867. Commenced business 1867.] 
Paid up Capital, $100,000. 

John M. Pattison, President. E. P. Marshall, Secretary. 



Income. 

Cash received for premiums on new policies, 
Cash received for renewal premiums, 
Premium notes received for new policies, 
Premium notes received for renewals, 
Premiums paid by dividends, . 
Premiums paid by surrendered policies, . 

Total, 



$263,249 14 

1,264,651 19 

282,375 10 

817,235 39 

52,531 40 

95,932 20 

$2,775,974 42 



THE UNION CENTRAL LIFE INSURANCE CO. 



175 



Cash received for interest, .... 
Cash received for rents of company's property, 



$610,020 29 
11,890 30 



Total income, $3,397,885 01 

Net or ledger assets Dec. 31, 1892, 8,963,672 92 



Total, 



$12,361,557 93 









Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Surrender values, including reconverted additions applied 

in payment of premiums, 

Cash dividends paid policy-holders, .... 

Dividends applied in payment of premiums, . 
Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 
for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiners' fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for commuting commissions, .... 
for furniture and office fixtures, 

for advertising, 

for incidentals, 

for expenses on real estate, etc., 

for profit and loss account, .... 

Total disbursements, 



$513,263 81 

5,192 43 

56,907 14 

671 68 

$576,035 06 

940 68 

89,107 64 

178,021 27 

98,048 73 

14,093 98 

50,414 87 

4,510 66 

$1,011,172 89 

10,000 00 

444,899 51 

79,735 76 

45,291 50 

66,044 33 

47,670 80 

18,922 04 

13,440 14 

5,386 31 

5,165 71 

55,116 65 

26,878 76 

2,520 18 

$1,832,244 58 



Balance, 



$10,529,313 35 



176 



THE UNION CENTRAL LIFE INSURANCE CO. 



Invested in the following : — 



Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on compan} T 's policies assigned as collateral, 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule A), 
Cash in company's office and in transit (since received) 

Cash deposited in bank, 

Bills receivable, 

Agents' ledger balances, 

Furniture and fixtures, 

Ledger assets (as per balance), 
Deduct depreciation from cost of assets, 

Total net or ledger assets, .... 



7,556 84 

8,098,056 67 

874,684 86 

757,212 06 

20,825 00 

7,322 11 

318,985 22 

33,863 13 

106^07 46 

15,000 00 

.529,313 35 
1,385 00 

$10,527,928 35 



Other Assets. 

Interest due and accrued, 

Rents due and accrued, 

Market value of real estate, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), . 

Net am't of uncollected and deferred prem's, . 

Total assets per company's books, . 



$233,482 31 
61,646 98 

£295,129 29 
59,025 86 



311,167 22 

817 96 

12,361 33 



236,103 43 



811,088,378 29 



Office furniture, etc., 
Agents' balances, 
Bills receivable, 
Total, . 



Items not admitted. 



$15,000 00 

105,807 46 

33,863 13 



154,670 59 



Total admitted assets, 
Deduct special deposits in other States, 



610,933,707 70 
11,200 00 



Balance, 



§10,922,507 70 



THE UNION CENTRAL LIFE INSURANCE CO. 



177 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent), . . . . 
Matured endowments due and unpaid, . . $500 00 

Death losses in jn'ocess of adjustment, . . 37,451 00 

Claims resisted by the company, . . . 23,500 00 

Total policy claims, . 
Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, 

Liabilities as to policy-holders, 
Deduct liabilities on special deposits, 



Surplus as regards policy-holders, . 
Paid-up capital, . 

Surplus over capital, 



Gross liabilities, 



),798,976 00 



$989,881 76 



61,451 00 

3,697 07 

79,701 87 

$9,943,825 94 
11,200 00 

$9,932,625 94 

100,000 00 
889,881 76 

$10,922,507 70 



Premium Note Account. 

Premium notes on hand Dec. 31, 1892, . . $666,435 30 
Premium notes received during 1893, . . 1,099,610 49 

Total, $1,766,045 79 

Used in payment of losses and claims, . . $5,864 11 

Used in payment of surrendered policies and 

voided by lapse, 178,021 27 

Used in payment of dividends to policy-holders, 4,510 66 
Redeemed by maker in cash, .... 820,437 69 

Total, 1,008,833 73 

Balance note assets Dec. 31, 1893, $757,212 06 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1892. 



Whole life, . 
Endowment, 
All other, . 
Reversionary additions, 



Number. Amount, Total No. Total Amount. 

33,907 $55,468,195 00 

3,860 6,800,569 00 

1,519 2,518,497 00 

56,287 00 
39,286 $64,843,548 00 



Whole life, . 
Endowment, 
All other, . 



Policies issued during the Year. 

. 9,970 $17,713,116 00 
998 1,813,338 00 
705 1,234,200 00 



11,673 20,760,654 00 



178 



THE UNION CENTRAL LIFE INSURANCE CO. 



Old Policies revived. 





Number. 


Amount. Total No. 


Total Amount. 


Whole life, . 


361 


$574,431 00 




Endowment, 


39 


86,250 00 




All other, . 


5 


14,000 00 








405 


$674,681 00 



Old Policies increased. 



Additions by dividends, 



17,066 00 



Total, 51,364 $86,295,949 00 



Policies terminated during the Year, 

Whole life, . . . 6,828 $12,696,108 00 
Endowment, . . . 910 1,783,995 00 
All other, .... 502 941,095 00 

8,240 $15,421,198 00 



How terminated. 



By death, . 


277 


$512,050 00 




maturity, 


37 


71,645 00 




expiry, 


143 


215,500 00 




surrender, 


337 


693,980 00 




lapse, 


. 5,048 


8,844,112 00 




change and decrease, . 431 


837,878 00 




Not taken, . 


. 1,967 


4,246,033 00 








q °<io 


15,421,198 00 










Policies in Force Dec. 31, 1893. 




Whole life, 


. 37,410 


$61,059,634 00 




Endowment, 


. 3,987 


6,916,162 00 




All other, . 


. 1,727 


2,831,480 00 




Reversionary 


additions, . 


67,475 00 








43,124 


$70,874,751 00 



Schedule A. 
Bonds owned by the Company. 

Cost Value. 

United States bonds, $12,825 00 

Norwood, Ohio, village bonds, .... 8,000 00 



Market Value. 

11,200 00 
$8,240 00 



?20,825 00 $19,440 02 



UNION MUTUAL LIFE INSURANCE CO. 



179 



"UNION MUTUAL LIFE INSURANCE COMPANY," PORTLAND, 

MAINE. 

[Incorporated July 17, 1848. Commenced business Oct. 1, 1849.] 

Fred. E. Richards, President. J. Frank Lang, Secretary. 



Income. 

Cash received for premiums on new policies, . 
Cash received for renewal premiums, 
Premiums notes received for renewals, . 
Premiums paid by dividends, including additions, 
Premiums paid by surrendered policies, . 



Total, 

Deduct amount paid for re-insurance, 



Total premium income, 

Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 

Appreciation of assets, 



Total income, 
Net or ledger assets Dec. 31, 1892, . 

Total, 



8247,239 65 

684,292 38 

5,491 00 

22,472 46 

7,913 12 

$967,408 61 
3,207 53 

$964,201 08 

279,732 42 

416 47 

17,580 54 

21,891 43 



$1,283,821 94 
6,160,978 80 



. $7,444,800 74 



Disbursements. 

Cash paid for losses and additions, $466,504 69 

Premium notes or loans used in payment of same, . . 11,224 00 

Cash paid for matured endowments and additions, . . . 114,060 73 

Premium notes or loans used in payment of same, . . 3,050 00 



Gross amount paid for losses and endowments, . . $594,839 42 

Cash paid to annuitants, 542 15 

Cash paid for surrendered policies, 35,866 07 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 13,205 88 

Surrender values, including reconverted additions applied 

in payment of premiums, 12,640 24 

Cash dividends paid policy-holders, 3,555 32 

Dividends applied in payment of premiums, .... 17,745 34 

Premium notes or loans used in payment of dividends, . . 3,212 00 



Total paid policy-holders, . 



$681,606 42 



180 



UNION MUTUAL LIFE INSURANCE CO. 






Cash paid for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiners' fees, . 
for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for commuting commissions, . 
for furniture and office fixtures, 

for advertising, 

for incidentals, 

for profit and loss account, 



Total disbursements, 



Balance, 



$191,646 32 

63,255 64 

23,273 08 

54,314 89 

20,128 50 

9,784 31 

8,277 35 

2,580 77 

10,928 15 

41,662 44 

59,887 46 



$1,167,345 33 



$6,277,455 41 



Invested in the following : 



Assets as per Ledger Accounts 



Value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office and in transit (since received) 

Cash deposited in bank, 

Bills receivable, 

Agents' ledger balances, 

Cash notes taken for premiums, .... 

Ledger assets (as per balance), 
Deduct depreciation from cost of assets, . 

Total net or ledger assets, 



$838,217 93 

1,310,256 62 

528,359 99 

400 00 

255,943 00 

3,164,814 72 

4,765 02 

136,720 98 

5,623 89 

5,160 72 

27,192 54 

$6,277,455 41 
92,491 14 

$6,184,964 27 



Other Assets. 

Interest due and accrued, .... 
Rents due and accrued, .... 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 



$150,304 66 
80,127 45 



81,118 17 
1,775 08 



Total, $230,432 11 

Deduct loading (20 per cent.), . . . . 46,086 42 
Net am't of uncollected and deferred prem's, 



184,345 69 



Total assets per .company's books, . 



. £6,452,203 21 



UNION MUTUAL LIFE INSURANCE CO. 181 



Items not admitted. 

Agents' balances, .... 

Bills receivable, .... 

Excess of loans over market values, 

Total, 



Total admitted assets, 
Deduct special deposits in other States, 



Balance, 



$5,160 72 

5,623 89 

5,394 74 
$16,179 35 



-. §6,436,023 46 
545,246 00 



$5,890,777 86 



Liabilities. 



Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent), . . . .$6,054,850 00 
Deduct net value of re-insured risks, 7,127 00 

Net re-insurance reserve, §6,047,723 00 

Death losses due and unpaid, .... $75 00 

Matured endowments due and unpaid, . . 11,702 27 

Death losses and matured endowments in proc- ' 

ess of adjustment, ...... 80,246 21 

Claims resisted by the company, . . . 9,100 00 

Total policy claims, 101,123 48 

Unpaid dividends of surplus due policy-holders, . . . 3,501 82 

Bills payable, 12,364 59 

Contingent reserve, 148 00 

Premiums paid in advance, 322 52 

Miscellaneous, . . 10,526 84 

Liabilities as to policy-holders, $6,175,710 25 

Deduct liabilities on special deposits, 545,246 00 

$5,630,464 25 
Surplus as regards policy-holders, 260,313 61 

Gross liabilities, $5,890,777 86 



Premium Note Account. 

Premium notes on hand Dec. 31, 1892, . . $272,543 00 

Premium notes received during 1893, . . 18,198 88 

Total, 290,741 88 

Used in payment of losses and claims, . . $14,274 00 
Used in payment of surrendered policies and 

voided by lapse, 13,205 88 

Used in payment of dividends to policy-holders, 3,21 2 00 

Redeemed and transferred, .... 4,107 00 

Total, 34,798 88 



Balance note assets Dec. 31, 1893, $255,943 00 



182 



UNION MUTUAL LIFE INSURANCE CO. 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1892. 

Number. Amount. Total No. 



Tota". Amount. 



Whole life, 


. 8,829 £16,468,546 00 


Endowment, 


. 6,795 12,067,491 00 


All other, . 


. 2,192 4,548,870 00 


Reversionary 


additions, . - 208,578 00 




Policies issued during the Yea 


Whole life, 


. 3,916 $7,935,235 00 


Endowment, 


612 1,102,413 00 




Old Policies revived. 


Whole life, 


23 $35,000 00 


Endowment, 


14 15,068 00 


All other, . 


1 10,169 00 



17,816 833,293.485 00 



4,528 9,037,648 00 



38 

Old Policies increased and transferred. 

Whole life, ... 5 ? 15,500 00 
Endowment, ... 21 16,539 00 
All other, .... 548 1,139,234 00 574 
Additions by dividends, 



60,237 00 



1,171,273 00 
147,546 00 



Total, 22,956 $43,710,189 00 

Policies terminated during the Tear. 

Whole life, . . . 2,347 $4,781,805 00 
Endowment, . . . 1,043 1,948,382 00 

All other, .... 402 1,065,585 00 



By death, . 

maturity, 

expiry, . 

surrender, 

lapse, . 

change and decrease, 
Not taken, . 



3,792 


$7,795,772 00 


How terminated. 


260 


$460,675 00 


114 


121,808 00 


351 


735,470 00 


196 


262,498 00 


1,762 


3,532,950. 00 


574 


1,460,871 00 


535 


1,221,500 00 



3,792 7.795,772 00 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Policies in Force Dec. 31, 1893. 

. 10,426 £19,672,476 00 

. 6,399 11,253,130 00 

. 2,339 4,779,192 00 

209,619 00 



19,164 $35,914,417 00 



UNION MUTUAL LIFE INSURANCE CO. 



183 



Schedule A. — Securities held as Collateral. 

Market Value. 

24 shares Central Wharf, Portland, Me., . $24,000 00 

355 " Portland Water Co., Portland, Me., 39,050 00 

5 " First Xat'l Bank, Wiscasset, Me., . 500 00 

70 " Flint & Pere Marquette Railroad, . 3,150 00 

Maine Central Railroad bonds,. . . . 2,200 00 

Northern Pacific Railroad bonds, ... 2,200 00 

Leeds & Farmington Railroad bonds, . . 1,030 00 

9 shares Central Wharf, Portland, Me., . . 9,000 00 

Maine Central Railroad, 1,100 00 

188 shares Camden & Rockland Water Co., . 18,800 00 

3 " American Bell Telephone Co., . 552 00 

18 " N. Y., New Haven & Hart. R.R., . 3,420 00 

Grand Avenue R.R. Co., K. City, Mo., bonds, . 1,900 00 

100 shares Camden & Rockland Water Co., . 10,000 00 

20 shares Portland Nat'l Bank, Portland, Me., 2,160 00 

Portage City Water Co., Portage, Wis., bonds, 500 00 

Ft. Smith (Ark.) Water Company bonds, . 500 00 

Kankakee Water Co., Kankakee, 111., bonds, . 500 00 

25 shares Portland Water Co., Port., Me , stock, 2,750 00 

Lime Rock Railroad Co., Rockland, Me , bonds, 17,850 00 

City Water Co. of East St. Louis, 111., bonds, . 500 00 

Maine Central Railroad bonds, . . . 650 00 

5 shares Portland Railroad Company bonds, . 750 00 

50 " Portland & Rochester Railroad, . 6,250 00 

31 " Portland Trust Company, . . 3,565 00 

Portland, Me., Water Company bonds, . . 485 00 

Androscoggin County, Me., bonds, . . . 500 00 

200 shares Commercial Union Telegraph Co., 5,000 00 

Owensboro, Ky., Water Company bonds, . 1,000 00 

20 shares Portland, Me , Water Company, . 2,200 00 

5 shares Rockland, Me., Trust Company, . 550 00 

Missouri Valley & Blair Ry. & Bridge Co. b'ds, 1,000 00 

30 shares First National Bank, Honlton, Me., . 5,100 00 

Cedar Rapids & Missouri River R.R. bonds, . 1,230 00 

80 shares Portland, Me., Water Company, . 8,800 00 

110 shares Nat'l Shoe & Leat. B'k, Auburn, Me., 9,900 00 

City of Portland (Portl'd & Roch'ter R.R.) b'ds, 4,747 50 

Maine Central Railroad bonds, . . . 13,000 00 

Mortgage of real estate, 15,259 60 

Scioto Valley & New England R.R. bonds, . 750 00 

Missouri Valley & Blair Ry. & Bridge Co. bMs, 1,000 00 

52 shares Portland, Me., Water Company, . 5,720 00 

90 shares Portland Railroad Company, . . 13,500 00 

Cedar Rapids & Missouri River R.R. bonds, . 1,230 00 

50 shares New York & New England R.R., . 1,750 00 

New York & Erie Railroad bonds, . . . 11,000 00 

200 shares Boston & Maine Railroad, . . 26,800 00 

Newark, Ohio, Water Company bonds, . . 5,000 00 



} 



Amount Loaned. 

$12,000 00 

24,000 00 

505 00 

4,300 00 

4,000 00 

700 00 
4,200 00 
1,000 00 
15,000 00 

5.000 00 



} 



10,000 00 

1,100 00 

2,000 00 

14,000 00 

400 00 

500 00 

450 00 

5,000 00 

3,100 00 
400 00 
500 00 

4,000 00 
900 00 

2,000 00 

900 00 
1,000 00 
1,000 00 
5,000 00 
7,500 00 
4,500 00 
5,000 00 
15,000 00 

600 00 

900 00 
5,000 00 
9,500 00 

900 00 

2,500 00 

10,000 00 

25,000 00 



184 



UNION MUTUAL LIFE INSURANCE CO. 



St. Joseph Water Co , St. Joseph, Mo., bonds, 

Atchison, Topeka & Santa Fe R.R. bonds, 

Akron Street Railway bonds, . 

City of Portland, Me., bonds, . 

Rurnford Falls Power Company bonds, . 

Fort Smith, Ark., Water Company bonds, 

Fulton, X. Y., Water Company bonds, . 

12 shares Lockwood Co., Waterville, Me., 

Ohio & Mississippi Railroad bonds,. 

Mt. Yernon Water Co.,Mt. Yernon, N. Y.,b'ds 

West Duluth, Minn., bonds, 

Houston & Texas Central Railroad bonds, 

294 shares Brookline, Mass., Gas Light Co., 

Antigo, Wis., Water Company bonds, 

20 shares Portland Trust Company, 

18 " Aroostook Trust & Banking Co., 

11 " First National Bank, Houlton, Me., 

5 " Presque Isle, Me., National Bank, 
Portland, Me., Water Company bonds, . 
Greenbush, N. Y., Water Company bonds, 
200 shares Inter. L. & T. Co., Kansas City, Mo. 
Ft. Smith, Ark., Water Company, . 
St. Joseph, Mo., Traction & Lighting Co. bds. 
New York ft New England Railroad bond-. 
Connecticut River Railroad bonds, . 
Chicago Gas Light ft Coke Company bonds, 
Rome, Watertown & Ogdensburg R.R. bonds 
Kennebec Light & Heat Co. bonds, . 
Maine Central Railroad bonds, . 
100 shares Boston ft Maine R.R. com. stock, 
Crystal Water Co., Edgewater, X. Y., bonds, 
Chicago Gas Light & Coke Co. bonds, 
Lowell, Lawrence & Haverhill St. Ry bonds, 
Evansville, Ind., bonds, .... 
Norfolk ft Western Railroad bonds, 
100 shares Boston & Maine R.R. com. stock, 

12 shares Portland Railroad Company, . 
New York & New England bonds, . 
100 shares Boston ft Maine R.R. com. stock, 
Utica Belt Line Street Railway bonds, 
113 shares Portland, Me , Water Company, 
Rockland, Thomaston & Camden St. Ry. bonds 
Knox Gas ft Electric Company bonds, . 
Evansville, Ind., bonds, .... 
Crystal Water Co., Edgewater, N. Y., bonds, 
300 shares Rockland, Me., Building Syndicate 
467 shares Lime Rockland Railroad, 



I 



Market Value. 
$3,000 00 

330 00 

1,000 00 
3,600 00 

30,000 00 

10,500 00 
5,000 00 
1,200 00^ 
2,040 00 | 
1,000 00 } 
5,000 00 j 
2,000 00 j 

26,460 00 
5,000 00 
2,300 00 
2,250 00 
1,870 00 
680 00 
9,180 00 
900 00 

15,000 00 
5,000 00 

29,700 00 

5,000 00 

1,860 00 

865 00 

3,420 00 

512 50 

26,000 00 

13,400 00 
1,500 00 

30,275 00 >| 
8,775 00 
1,000 00 i 
500 00 J 

13,400 00 
1,800 00 
1,030 00 

13,400 00 
1,000 00 

12,430 00 
3,600 00 ) 

14,000 00 S 
1,000 00 
1,000 00 

22,500 00 

46.700 00 



Amount Loaned. 

$2,000 00 
454 00 

3,000 00 
25,000 00 

14,000 00 



13,279 74 

00 

4,500 00 
2,000 00 

3,500 00 

8,000 00 

800 00 

7,000 00 

4,000 00. 

23,200 00 

00 

1,800 00 

301 25 

3,000 00 

20.000 00 

10,000 00 

00 

J. 42,000 00 
10,000 00 

1.1' 

670 00 

10,000 00 

900 00 

00 

16,000 00 

1,500 00 

50,000 00 



8676,376 60 $528,359 99 



UNION MUTUAL LIFE INSURANCE CO. 



185 



Schedule B. 
Stocks and Bonds owned by the Company. 



Ateh., Topeka & Santa Fe R.R. bonds, . 

Chicago & West Mich. R.R. bonds, . 

Flint & Pere Marquette R.R. bonds, . 

Fort St., Union Depot Co., Detroit, Mich., bonds 

Grand Avenue Ry., Kansas City, Mo., bonds, 

Hannibal & St. Joseph R.R. bonds, . 

Kansas & Missouri R.R. bonds, 

Kan. City, St. Jo. & Council Bluffs R.R. bonds 

Kansas City Belt Railway bonds, 

Kansas City Cable Railway bonds, . 

Lincoln & North Western R.R. bonds, 

Lime Rock R.R., Rockland, Me., bonds, . 

Lowell, Lawrence & Haverhill St. Ry. bonds, 

Milwaukee and St. Paul R.R. bonds, 

Maine Central R.R. bonds, 

New York & New England R.R. bonds, . 

Norwood & Montreal R.R. bonds, . 

Oregon Railway & Navigation Co. bonds, 

Oxford & Clarksville R.R. bonds, . 

People's Street Railway Co. bonds, . 

Portland & Ogdensburg R.R. bonds, 

Portland & Rumford Falls R.R. bonds, . 

Rome, Watertown & Ogdensburg R.R. bonds, 

Scioto Valley & New England R.R. bonds, 

St. Louis R.R. bonds, 

Staten Island Rapid Transit R.R. bonds, 

Sturgis, Goshen & St. Louis R.R. bonds, 

Union St. Railway Co., Dover, N. H., bonds, 

Utah & Northern Railway bonds, 

West End Street Railway bonds, 

Wisconsin Valley R.R. bonds, 

Americus, Ga., bonds, 

Albina, Ore., park bonds, . 

Caribou, Me., bonds, . 

Caribou, Me , school bonds, 

Corsicana, Texas, sewer bonds, 

Corsicana, Texas, school bonds, 

Damariscotta, Me., bonds, 

Delaware, Ohio, public hall bonds, 

Fort Worth, Texas, bonds, 

Helena, Mont., bonds, 

Jefferson County, Ala., bonds, 

Mattoon, 111., bonds, . 

Montreal harbor bonds, . 



Par Value. 

$75,000 00 
124,000 00 
50,000 00 
25,000 00 
50,000 00 
50,000 00 
10,000 00 
30,000 00 
50,000 00 
50,000 00 
25,000 00 
25,000 00 
116,000 00 
35,000 00 
100,000 00 
50,000 00 
25,000 00 
50,000 00 
25,000 00 
25,000 00 
50,000 00 
50,000 00 
25,000 00 
50,000 00 
25,000 00 
10,000 00 
25,000 00 
25,000 00 
25,000 00 
50,000 00 
4,000 00 
10,000 00 
25,000 00 
3,000 00 
10,000 00 
18,000 00 
7,500 00 
2,000 00 
5,000 00 
10,000 00 
25,000 00 
65,000 00 
40,000 00 
30,000,00 



Market Value. 

$49,500 00 
74,400 00 
57,625 00 
25,000 00 
47,500 00 
57,625 00 
6,500 00 
35,400 00 
50,000 00 
47,500 00 
30,250 00 
26,250 00 
113,100 00 
44,800 00 
105,000 00 
50,000 00 
27,500 00 
30,000 00 
12,500 00 
27,500 00 
53,000 00 
50,000 00 
28,500 00 
37,500 00 
25,250 00 
11,200 00 
17,000 00 
26,250 00 
11,250 00 
51,000 00 
4,800 00 
11,100 00 
30,937 50 
3,000 00 
10,200 00 
18,000 00 
7,500 00 
2,060 00 
5,500 00 
10,000 00 
26,875 00 
69,025 00 
40,400 00 
30,000 00 



186 



UNION MUTUAL LIFE INSURANCE CO. 



Mecklenburg County, X. C, bonds,. 
Pueblo, Col., bonds, .... 
Province of New Brunswick bonds, . 
Piano, Texas, bonds, .... 
Provo City, Utah, bonds, . 
Richmond, Va , bonds, 
State of Maine bonds, 
West Duluth, Minn., bonds, 
Wells County, Ind., bonds, 
Town of Berlin, X. H., note, . 
Bath Iron Works bonds, . 
Crystal Water Co., Edgewater, N. Y., bonds, 
Chicago Gas Light and Coke Co., bonds, . 
Citizens' Gas Light Co., Brooklyn, N.Y., bonds 
City Water Co., Chattanooga, Tenn., bonds, 
Detroit Gas Co. bonds, . . 
Dominion Coal Co. bonds, 
Fort Smith, Ark., Water Co. bonds, . 
Freeport, Me., Water Co. bonds, 
Goldsboro', N. C, Water Co. bonds, 
Kennebec Light & Heat Co. bonds, . 
Knox, Me., Gas and Electric Co. bonds, . 
Le Mars, Iowa, Water & Light Co. bonds, 
Leadville, Col., Water Co. bonds, . 
Manitowoc, Wis., water bonds, 
Metropolitan Telephone & Tele. Co. bonds, 
Oshkosh, Wis., Water Works bonds, 
Rumford Falls Power Company bonds, . 
Richmond Water and Light Company bonds, 
Rockport, Ind., Water Works Co. bonds, 
St. Joseph, Mo., Water Company bonds, 
Wakefield, Mass., Water Company bonds, 
142 shares Portland, Saco & Portsmouth R.R. 
20 " Biddeford XT B'k, Biddeford, Me. 
200 " Canal NatT Bank, Portland, Me., 
40 " City NatT Bank, Dallas, Texas, 
122 " Cumberland XT B'k, Portland, Me. 
50 " Commercial NT B'k, Omaha, Neb. 
20 " Far. & Mer. N 1 ] B'k, Waco, Tex., 
20 " First NatT Bank, Auburn, Me., 
10 " First NatT Bank, Wiscasset, Me., 
100 " First NatT Bank, Lewiston, Me., 
12 " First NatT Bank, Bangor, Me., 
50 " First Nat'l Bank, Biddeford, Me., 
62 " First Nat'l Bank, Portland, Me., 
50 " Flour City NT B'k, MinnTis, Minn. 
48 " Knickerbocker Tr. Co., X. Y. City 
60 " Lime Rock XT BT, Rockland, Me 



I'ar Value. 

$30,000 00 

50,000 00 

100,000 00 

7,000 00 

25,000 00 

10,000 00 

50,000 00 

25,000 00 

13,000 00 

15,000 00 

20,000 00 

25,000 00 

50,000 00 

45,000 00 

30,000 00 

15,000 00 

50,000 00 

25,000 00 

25,000 00 

25,000 00 

25,000 00 

25,000 00 

25,000 00 

25,000 00 

25,000 00 

50,000 00 

25,000 00 

25,000 00 

25,000 00 

10,000 00 

25,000 00 

25,000 00 

14,200 00 

2,000 00 

20,000 00 

4,000 00 

4,880 00 

5,000 00 

2.000 00 

2,000 00 

1,000 00 

10,000 00 

1,200 00 

5,000 00 

6,200 00 

5,000 00 

4,S00 00 

4.200 00 



Market Value. 

$34,500 00 

50,150 00 

100,000 00 

<J 00 

20,000 00 

9,300 00 

47,500 00 

27,500 00 

13,050 00 

15,000 00 

20,000 00 

25,000 00 

43,250 00 

42,750 00 

30,000 00 

8,400 00 

48,000 00 

25,000 00 

25,000 00 

25,000 00 

25,625 00 

25,000 00 

25,625 00 

25,000 00 

25,000 00 

51,625 00 

25,000 00 

25,000 00 

25,000 00 

10,000 00 

25,000 00 

25,000 00 

17,324 00 

2,600 00 

24,000 00 

6,000 00 

5,246 00 

5,000 00 

2,240 00 

10 00 

00 

16,300 00 

00 

8.250 00 

6,510 00 

5,000 00 

9,600 00 

4,500 00 



UNITED STATES LIFE INS. CO. IN THE CITY OF NEW YORK. 187 



50 shares Manuf'rs Nat'l B'k, Lewiston, Me., 

36 " Merchants' Nat'l B'k, Portland, Me., 

50 " N'l B'k of Kan. City, Kan. City, Mo., 

50 " N'l B'k of Commerce, Omaha, Neb., 

63 " Nat'l Traders' Bank, Portland, Me., 

100 " North Nat'l Bank, Rockland, Me., . 

100 " Northern Nat'l B'k, Hallowell, Me., 

10 " Norway Nat'l Bank, Norway, Me., . 

30 " People's Nat'l B'k, Waterville, Me., 

200 " Portland Nat'l B'k, Portland, Me., . 

7 " Richmond N'l B'k, Richmond, Me., 

50 " Rockland N'l B'k, Rockland, Me., . 

50 " Schuster Hax N'l B'k, St. Jo., Mo., 

20 " Sioux F'ls N'l B'k, Sioux F'ls, S. Dak. 

35 " Ticonic Nat'l B'k, Waterville, Me., 

50 " Westbrook Tr. Co., Westbrook, Me., 



Par Value. 

$5,000 00 
2,700 00 
5,000 00 
5,000 00 
6,300 00 

10,000 00 

10,000 00 
1,000 00 
3,000 00 

20,000 00 
700 00 
5,000 00 
5,000 00 
2,000 00 
3,500 00 
5,000 00 



Market Value. 

$6,500 00 

4.320 00 

5,000 00 

5,000 00 

7,245 00 

15,000 00 

12,800 00 

1,220 00 

3,600 00 

21,200 00 

735 00 

8,250 00 

5,500 00 

2,000 00 

4,375 00 

5,250 00 



Province of Ontario annuities, 



$2,705,180 00 $2,666,377 50 
405,946 08 



Cost value, 



$3,072,323 58 
3,164,814 72 



"UNITED STATES LIFE INSURANCE COMPANY IN THE CITY 
OF NEW YORK," NEW YORK, N. Y. 

[Incorporated February, 1850. Commenced business March, 1850.] 

Paid-up Capital, $440,000. 

George H. Burford, President. C. P. Fraleigh, Secretary. 

Income. 



Cash received for premiums on new policies, 
Cash received for renewal premiums, 
Premiums paid by dividends, . 
Premiums paid by surrendered policies, . 



Total, 

Deduct amount paid for re-insurance, 

Total premium income, 
Cash received for interest, 
Cash received for rents of company's property, 
Profit and loss account, .... 



Total income, 
Net or ledger assets Dec. 31, 1892, 

Total, 



$223,247 19 

914,724 11 

218 80 

53,558 74 

$1,191,748 84 
7,132 69 

$1,184,616 15 

320,957 20 

1,818 21 

409 31 

f 1,507,800 87 
6,489,472 93 



$7,997,273 80 



188 UNITED STATES LIFE INS. CO. IN THE CITY OF NEW YORK. 






Disbursements. 

Cash paid for losses and additions, .... 
Cash paid for matured endowments and additions, . 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

Cash paid for surrendered policies, .... 
Surrender values, applied in payment of premiums, 
Cash dividends paid policy-holders, .... 
Dividends applied in payment of premiums, . 

Total paid policy-holders, 

Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of agents, 
for medical examiners' fees, . 
for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for advertising, 

for incidentals, 



Total disbursements, . 



Balance, 



$609,974 19 
64,317 63 

$734,291 82 

2,536 70 

84,267 33 

53,558 74 

19,327 18 

218 80 

$894,200 57 
30,800 00 
189,259 18 
78,913 56 
25,548 17 
55,010 28 
22,199 62 
f 24,323 07 
17,921 64 
39,781 99 

£1,377,958 08 

£6,619,31 



Invested in the following : 



Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Bills receivable, 

Agents' ledger balances, 

Ledger assets (as per balance), 
Deduct depreciation from cost of real estate, . 



£68,444 20 

4,465,008 64 

82,523 38 

230,726 17 

1,674,725 51 

1,180 06 

71,036 76 

13,484 38 

12,186 62 

$6,619,315 72 
11,444 20 



Total net or ledger assets, 



£6,607,871 52 



UNITED STATES LIFE INS. CO. IN THE CITY OF NEW YORK. 189 



Other Assets. 

Interest due and accrued, 

Market value of stocks and bonds, over cost, . 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 



$170,700 96 
120,644 65 



$82,062 15 
11,379 29 



Total, $291,345 61 

Deduct loading (20 per cent.),. . . . 58,269 12 

Net amount of uncollected and deferred prem's, 233,076 49 

Total assets per company's books, $6,934,389 45 



Items not admitted. 

Agents 1 balances, 

Bills receivable, 

Total, ........ 

Total admitted assets, .... 
Deduct special deposits in other States, . 



$12,186 62 
13,484 38 



25,671 00 

5,908,718 45 
131.688 00 



Balance, $6,777,030 45 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), 
Deduct net value of re-insured risks, 



Net re-insurance reserve, . 
Death losses and matured endowments in 

ess of adjustment, .... 
Claims resisted by the company, 

Total policy claims, . 
Premiums paid in advance, 
Liability on lapsed policies, 
Bills payable, 

Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 



Surplus as regards policy-holders, 
Paid-up capital, .... 
Surplus over capital, 



proc 



$78,555 00 
29,500 00 



$544,379 48 



1,297,147 00 
52,012 00 

5,245,135 00 



108,055 00 
2,254 02 
2,350 00 
6,544 95 

5,364,338 97 
131,688 00 

5,232,650 97 

440,000 00 
104,379 48 



Gross liabilities, $6,777,030 45 



190 UNITED STATES LIFE INS. CO. IN THE CITY" OF NEW YORK. 



Premium Note Account. 

Premium notes on hand Dec. 31, 1892, . . $209,703 88 

Premium notes received during 1893, . . 83,503 10 

Total, $293,206 98 

Used in payment of losses and claims, . . $13,164 57 
Used in payment of surrendered policies and 

voided by lapse, 21,437 12 

Redeemed by maker in cash, .... 27,879 12 

Total, 62,480 81 

Balance note assets Dec. 31, 1893 $230,726 17 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1892. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Number. Amount. Total No. Total Amount. 

10,313 $20,160,513 00 

1,644 2,943,267 00 

5,982 19,855,899 00 
768,621 00 
17,939 f43,728,300 00 



Whole life, 
Endowment, 
All other, 



Policies issued during the Year. 

. 1,497 £3,326,080 00 

329 712,325 00 

. 2,258 6,473,816 00 



4,084 10,512,221 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

17 $36,410 00 

3 13,000 00 

148 450,000 00 



168 



499,410 00 



Whole life, 
Endowment, . 
All other, . 



Total, 



Whole life, 
Endowment, 
All other, . 



Old Policies increased and changed. 

38 §143,000 00 

10 22,500 00 

28 63,000 00 



76 



228,500 00 



22,267 $54,968,431 00 



Policies terminated during the Year. 

. 1,318 $3 v lo3,670 00 

259 635,595 00 

. 2,337 8,445,860 00 



3,914 $12,235,125 00 



UNITED STATES LIFE INS. CO. IN THE CITY OF NEW YORK. 191 





How terminated. 






Number. 


Amount. Total No. 


Total Amount. 


By death, . 


325 


$748,543 00 




maturity, . 


50 


65,328 00 




expiry, 


91 


310,700 00 




surrender, . 


172 


534,770 00 




lapse, . 


2,403 


7,857,818 00 




change and decrease, 


69 


446,666 00 




Not taken, 


804 


2,271,300 00 








3,914 


$12,235,125 00 



Policies in Force Dec. 31, 1893. 



Whole life, 


. 10,547 


$20,512,333 00 


Endowment, 


. 1,727 


3,055,497 00 


All other, . 


. 6,079 


18,448,449 00 


Reversionary additions, 


- 


717,027 00 



18,353 $12,733,306 00 



Schedule A. 

Securities held as Collateral. 



Northern Gas Light Company, New York, 
50 shares Central Gas Light Company, N. Y., 
Northern Gas Light Company bonds, 
100 shares Missouri Pacific Railway, 
75 shares Western Union Telegraph Co., 
Missouri Pacific Railway bonds, 
163 shares American Teleg and Cable Co., 
66 shares N. Y., Lack. & Western Railway, 
Missouri Pacific Railway bonds, 
40 shares American Teleg. and Cable Co., 
25 " American Teleg. and Cable Co., 
16 " United N. J. R.R. and Canal Co., 
20 " Importers' and Traders' Nat'l B'k, 
20 " Missouri Pacific Railway Company 
22 " H. B. Claflin Company, . 
130 " Northern Gas Light Co , N. Y., 
Northern Gas Light Company bonds, 
81 shares Central Gas Light Company, N. Y. 
Manhattan Railway bonds, 
Morris & Essex Railroad bonds, 
Wabash Railroad bonds, .... 



Market Value 

$14,175 00 1 
2,500 00 

10,000 00 
2,050 00 
6,225 00 
1,050 00 

13,855 00 
7,293 00 
2,100 00 
3,400 00 
2,125 00 
3,616 00 

11,340 00 
410 00 
2,695 00 
8,775 00 
2,500 00 
4,050 00 
6,475 00 
6,875 00 
4,035 00 



Loaned Thereon. 



}> f44,700 00 



} 



2,223 38 

1,200 00 
2,800 00 

9,000 00 

5,500 00 
2,000 00 
2,000 00 
5,100 00 
5,000 00 
3,000 00 



15,544 00 $82,523 38 



192 THE WASHINGTON LIFE INSURANCE CO., NEW YORK. 



Schedule B. 
Bonds owned by the Company. 



United States bonds, .... 
District of Columbia bonds, 

Jersey City bonds, 

Jersey City water scrip, .... 
New York, Lack. & Western Railway bonds, 
Oswego & Syracuse Railroad bonds, 
Chicago & Northwestern Railway bonds, 
Chicago, Milwaukee & St. Paul Railway b'ds 
Missouri Pacific Railway bonds, 
Iowa Central Railway bonds, . 
St. Louis, Iron Mountain & Southern R'y b'ds 
Chicago, Burlington & Quincy Railway b'ds, 
New York Central Railway bonds, . 
Louisville & Nashville Railroad bonds, . 
Kansas Pacific Railroad bonds, 
Chicago, St. Paul, Minn. & Omaha R'y bonds, 
Burlington, Cedar Rapids & Northern R'y b'ds, 
Chicago, Rock Island & Pacific Railway b'ds, 
Metropolitan Elevated Railway bonds, . 
East Tenn., Virginia & Georgia R'y bonds, 
Atchison, Topeka & Santa Fe Railway bonds, 
Missouri, Kansas & Texas Railway bonds, 
Province of New Brunswick bonds, 
Texas & Pacific Railway bonds, 
Michigan Central Railroad bonds, . 



Cost Value. 

$60,602 55 

131,384 40 
46,650 60 

109,342 50 
47,801 98 
30,600 00 
99,099 32 

151,885 06 

212,496 75 
71,550 00 
89,189 52 
46,195 21 

123,124 08 
39,345 00 

101,685 20 
27,750 00 
42,000 00 

104,750 00 
14,933 31 
24,518 41 
21,154 86 
12,520 00 
20,025 00 
17,559 26 
28,562 50 



Market Value. 

$56,500 00 

132,576 00 

50,525 00 

104,035 00 

53,240 16 

33,050 10 

106,750 00 

160,750 00 

197,834 00 

76.124 70 
87,042 00 
48,583 50 

124,884 12 

48,160 00 

88,000 00 

30.125 00 
46,875 00 
98,500 00 
16,240 00 
22,291 75 
16,312 50 
12,426 72 
20,200 00 
18,145 75 
30,333 50 



§1,674,725 51 $1,686,104 80 



" THE WASHINGTON LIFE INSURANCE COMPANY, NEW 

YORK," N. Y. 

[Incorporated January, 1860. Commenced business Feb. 2, I860.] 
Paid-up Capital, $125,000. 
W. A. Brewer, Jr., President. Wu, Haxtun, V.-Prest. and Secretary. 



Income. 

Cash received for premiums on new policies, 
Cash received for renewal premiums, 
Premiums paid by dividends, . 
Premiums paid by surrendered policies, 
Cash received for annuities, 



Total, 



$206,084 52 

1,643,635 41 

124,885 00 

138,162 62 

25,700 92 

$2,138,468 47 



THE WASHINGTON LIFE INSURANCE CO., NEW YORK. 193 



Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 



Total income, 
Net or ledger assets Dec. 31, 1892, 



Total, 



$563,324 11 

5,049 19 

12,857 46 

$2,719,699 23 
11,570,409 47 



$14,290,108 70 



Disbursements. 

Cash paid for losses and additions, .... 
Cash paid for matured endowments and additions, 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

Cash paid for surrendered policies, .... 
Surrender values applied in payment of premiums, 
Dividends applied in payment of premiums, . 
Eetnrn premiums, 



Total paid policy-holders 

Cash paid for dividends to stockholders, . 

for commissions to agents, 

for salaries and travelling expenses of agents, 

for medical examiners' fees, . 

for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for commuting commissions, . 

for advertising, 

for incidentals, 

Profit and loss account, 

Total disbursements, 

Balance, 



$777,484 30 
253,494 27 

$ 1,030,978 57 

11,028 65 

236,384 49 

138,162 62 

124,885 00 

2,742 48 

$1,544,181 81 

8,750 00 

201,615 19 

90,916 85 

20,911 00 

91.199 10 
26,879 84 
10,500 00 
36,696 22 

12.200 55 
44,239 85 
31,504 09 



1,119,594 50 



$12,170,514 20 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Agents 1 ledger balances, 



Ledger assets (as per balance), 



$556,195 33 

10,606,678 17 

24,500 00 

446,488 89 

341,711 13 

39,427 71 

115,786 84 

39,726 13 

$12,170,514 20 



194 THE WASHINGTON LIFE INSURANCE CO., NEW YORK. 



Other Assets. 

Interest due and accrued, 

Market value of stocks and bonds, over cost, . 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent ), . 

Net am't of uncollected and deferred prem's, . 

Total assets per company's books, 



8102,940 15 
215,177 35 

$318,117 50 
63,823 50 



$135,478 74 
61,088 87 



254,494 00 



$12,621,575 81 



Items not admitted. 

Agents 1 balances, 

Bank deposit in hands of receiver, . 

Total, 

Total admitted assets, .... 
Deduct special deposits in other States, . 



Balance, 



$39,726 13 
6,739 43 



46,465 56 



£12,575,110 25 
10,300 00 

$12,564,810 25 



Liabilities. 
Computed premium reserve or net present value of all out- 



standing policies (actuaries 1 4 per cent.), 

Death losses due and unpaid, . 

Matured endowments due and unpaid, 

Death losses and matured endowments in proc- 
ess of adjustment, 

Claims reported, ..... 
Total policy claims, .... 

Due for salaries, rent and office expenses, 

Premiums paid in advance, 

Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 



$12,093,015 00 



$5,017 60 
10,020 93 

14,549 30 
62,267 00 



91,854 83 
6,749 99 
4,445 96 

$12,196,065 78 
10,300 00 



$12,185,765 78 
Surplus as regards policy-holders, . . . $379,044 47 

Paid-up capital, 125,000 00 

Surplus over capital, ........ 254,044 47 



Gross liabilities, 



$12,564,810 25 



THE WASHINGTON LIFE INSURANCE CO., NEW YORK. 195 



Exhibit of Policies. 

Policies and Additions in Force Dec. 31, 1892. 



Whole life,. 
Endowment, 
Reversionary additions, 



Number. Amount. Total No. Total Amount. 

14,692 $30,750,917 00 
10,026 19,817,206 00 
993,809 00 
24,718 $51,561,932 00 



Whole life, . 
Endowment, 



Policies issued during the Year. 

. 2,987 $5,333,503 00 
. 867 1,385,460 00 



3,854 6,718,963 00 



Whole life, . 
Endowment, 
All other, . 

Additions by dividends, 

Total, . 



Old Policies revived. 



319 
310 



$823,681 00 

689,000 00 

14,302 00 



629 



1,526,983 00 
177,101 00 



29,201 $59,984,979 00 



Policies terminated during the Tear. 

Whole life, .... 3,301 $6,927,067 00 
Endowment, . . . 1,541 3,126,438 00 
All other, .... - 221,953 00 



4,842 $10,275,458 00 



By death, 
maturity, 
surrender, 
lapse, 

Not taken, . 



Hoiv terminated. 


329 


$845,187 00 


131 


255,695 00 


887 


2,061,420 00 


2,908 


5,799,462 00 


587 


1,313,694 00 



4,842 10,275,458 00 



Policies in Force Dec. 31, 1893. 



Whole life, . 
Endowment, 
Reversionary additions, 



14,697 $29,981,034 00 
9,662 18,765,228 00 
963,259 00 
24,359 $49,709,521 00 



196 THE WASHINGTON LIFE INSURANCE CO., NEW YORK. 



Schedule A. 

Securities held as Collateral. 

Market Valne. Amount Loaned. 

100 shares Del., Lack. & West. Railroad, . $7,300 00 ^ 



90 shares United States Trust Company, . 72,000 00 



\ $24,^ 



$79,300 00 $24,500 00 



Schedule B. 



Bonds owned by the Company. 

Cost Value. Market Value. 

New York city bonds, ; $225,312 50 $257,500 00 

Brooklyn water loan bonds, .... 106,098 63 135,000 00 

Richmond, Va., city bonds, .... 10,300 00 10,300 00 



$341,711 13 $402,800 00 



ACCIDENT AND GUARANTEE 

COMPANIES. 



Detailed Statement op Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1893. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



"^ETNA LIFE INSURANCE COMPANY," HARTFORD, CONN. 
[accident department.] 

[Commenced business in Accident Department Jan. 1, 1891.] 

Special Guabantee Fund, $50,000. 

Morgan G. Bulkeley, President. Joel L. English, Secretary. 

Income. 

Total premium income, $113,988 57 

Cash received for interest, ... ... 5,093 39 

Cash received as discount on claims paid in advance, . . 310 60 



Total income, $119,392 56 

Net or ledger assets Dec. 31, 1892, 81,239 21 



Total, f200,631 77 

Disbursements. 



Cash paid for losses, 

for commissions to agents, 

for salaries and travelling expenses of agents, 

for medical examiner's fees, . 

for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for furniture and office fixtures* 
for advertising and incidentals, 



Total disbursements, 
Balance, 



$35,410 74 

28,921 88 

8,556 17 

152 50 

5,880 13 

1,243 85 

113 14 

380 87 

6,395 53 

$87,054 81 

$113,576 96 



Invested in the following : — 

Assets as per Ledger Accounts. 

Loans on mortgage of real estate (first liens), 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 



Ledger assets as per balance, 



$83,300 00 

15,000 00 

681 84 

14,595 12 

$113,576 96 



200 



AMERICAN EMPLOYERS LIABILITY INSURANCE CO. 



Other Assets. 



Interest due and accrued, 

Total assets per company's books, 

LlABILITIl> 

Premium reserve on account of accident risks, 
Deduct net value of re-insured risks, 

Xet re-insurance reserve, 

Death and indemnity claims in process of adjustment, 
Amount due to life department, .... 

Liabilities as to polic3 T -holders, .... 
Surplus as regards polic3 T -holders, .... 



$724 40 
1114,301 36 



$46,562 28 
699 25 

$45,863 03 

2,155 59 

50,000 00 



$98,018 62 
16,282 74 



Gross liabilities, $114,30136 

Exhibit of Policies. 



Accident policies in force Dec 31, 1892, 
Accident policies written during the year, 



Number. Amount. 

4,678 $15,589,250 00 
7,236 26,033,450 00 



Total, 



Terminated by death, 
Terminated by expiry, 



Number. Amount. 

3 ?23,000 00 
6,158 20,844,400 00 



11,814 §41,622,700 00 



6,161 20,867,400 00 



Policies in force Dec. 31, 1893, 

Massachusetts Business. 

Accident risks written during the year, . 

Premiums received, 

Losses paid, 

Losses incurred, 



5,653 $20,755,300 00 

Number. Amount. 

350 £ 1,354,500 00 

5,886 00 

23 6,999 00 

23 6,999 00 



AMERICAN EMPLOYERS' LIABILITY INSURANCE COMPANY, 

JERSEY CITY, X. J. 

[Incorporated May, 1S90. Commenced business May, 1S90.] 
Paid-up Capital, $200,000. 

John I. Beggs, President. John Macrae, Secretary. 



New York City bonds, 
Jersey City bonds, . 
Richmond city bonds, 
Newark city bonds, . 
New Jersey State bonds, 



Detailed Statement of Stocks and Bonds. 

Par Value. 

$30,000 00 
10,000 00 



10,000 00 

2,600 00 

30,000 00 



Market Value. 

§30,000 00 

10,525 00 

13,000 00 

2,600 00 

35,975 00 



?S2,600 00 $92,100 00 



AMERICAN EMPLOYERS' LIABILITY INSURANCE CO. 201 



Summary of Assets Dec. 31, 1893. 

Loans on mortgage of real estate (first liens*), $205,500 00 

Interest due or accrued thereon, . . . 2,030 86 

Stocks and bonds, as per schedule, . . . 92,100 00 

Cash in the office of the company, . . . 1,794 95 

Cash deposited in bank, 23,223 51 

Interest due and accrued, 681 87 

Premiums in course of collection (gross), . 206,200 68 

Notes taken for casualty risks, ... 91 27 
Furniture, safes, etc., . . . $3,562 77 

Gross assets, . . 

Deduct special deposits in other States, . 



Balance, $518,623 14 



$531,623 14 
13,000 00 



Liabilities. 



Losses adjusted, unpaid, . 
Losses claimed and reported, 



Total amount of losses, . 

Unearned premiums on outstanding risks 

Due and accrued for rent, salaries, etc., 

Commissions and brokerage, . 

Bills payable, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, 
Paid-up capital, .... 

Surplus over capital, . 

Income. 
Premiums outstanding Dec. 31, 1892, . . $185,934 12 
Premiums on risks written or renewed, . . 683,093 45 

Total, . $869,027 57 

Premiums now in course of collection, . . 206,200 68 

Entire premiums collected, .... $662,826 89 
Less re-insurance and return premiums, . . 53,817 38 

Net premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Gross cash income, 



$3,130 48 
22,573 38 

$25,703 86 

263,759 61 

1,000 00 

38,773 22 

432 95 

$329,669 64 
13,000 00 



316,669 64 



1,953 50 
200,000 00 

$1,953 50 



$609,009 51 
9,992 50 
4,827 11 

$623,829 12 



* Value of lands mortgaged, $246,000 00 

Value of buildings thereon 215,000 00 

Amount of insurance held as collateral 206,000 00 



202 



AMERICAN MUTUAL LIABILITY INSURANCE CO. 



Expenditures. 

Net cash paid for losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
or incidentals, .... 



Gross cash expenditures, 



$367,632 02 

29 16 

148,546 92 

63,023 09 

12,897 22 

48,230 00 

$040,358 41 



Risks outstanding Dec. 31, 1892, 
Risks written during 1893, 



Risks and Premiums. 

Premiums. 

$118,919,000 00 $550,070 56 
130,195,000 00 683,093 45 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$249,114,000 00 * 1,233,164 01 
123,977,324 00 701,039 73 



$125,136,676 00 
1,120,500 00 



$531,524 28 
4,005 01 



$124,016,176 00 $527,519 27 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Losses incurred during the year, . . . . 

Massachusetts Business 

Risks written during the year, 

Premiums received, 

Losses paid, 



$1,338,403 00 
019,865 00 
380,360 00 



$25,084,317 00 
81,726 00 
26,746 00 



AMERICAN MUTUAL LIABILITY INSURANCE COMPANY, 

BOSTON. 

[Incorporated March 30, 1S87. Commenced business Oct. 1, 18S7.] 

Wm. C. Loverlng, President. S. A. Williams, Secretary. 

Office, No. 40 Water Street. 



Detailed Statement of Stocks 

Old Colony Railroad bonds, .... 
Boston & Lowell Railroad bonds, 
Burlington & Missouri River Railroad bonds, 
Chicago, Burlington & Quincy Railroad bonds, 
Phila., Wilmington & Baltimore R.R. bonds, . 
Corporation notes, 



and Bonds. 

Par Value. 

$20,000 00 
20,000 00 
5,000 00 
16,000 00 
10,000 00 
30,000 00 



Market Value. 

$20,200 00 
19,900 00 
4,525 00 
14,945 00 
10,000 00 
30,000 00 



$101,000 00 ',570 00 



AMERICAN MUTUAL LIABILITY INSURANCE CO. 



203 



Summary of Assets Dec. 81, 1893. 

Stocks and bonds, as per schedule, . 

Cash in the office of the company, . 

Cash deposited in bank, .. 

Interest due and accrued, 

Premiums in course of collection (gross), 

Rents due, 

Furniture and fixtures, etc., . . $600 00 
Gross assets, 



$99,570 00 




544 93 




27,520 96 




1,514 84 




647 28 




60 00 




J 

• 


8129,858 01 



Liabilities. 

Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, 

Gross liabilities, 



$84 50 

4,000 00 

62,472 42 

250 00 



66,806 92 



Net cash assets, $63,051 09 



Income. 

Cash premiums received during the year, 
Less re-insurance and return premiums, . 
Net cash fire premiums received, 
Interest and dividends received from all sources, 
Income from rents and all other sources, 

Gross cash income, 



$130,931 36 
1,594 81 



$129,336 55 

5,341 63 

365 00 



$135,043 18 



Expenditures. 

Cash paid for losses, 

Profits or surplus on terminated policies, 
Cq^h paid for salaries of officers and employees, 
for State and local taxes, 

for inspection, 

for rent and incidental expenses, . 

Gross cash expenditures, .... 



$78,686 28 

35,717 16 

10,859 37 

1,217 13 

3,525 04 

3,756 55 

$133,761 53 



Risks outstand'g Dec. 31,1892, $49,050,900 00 
Risks written during 1893, . 52,563,900 00 



Risks and Premiums. 

Amount. Cash Prem's. Cont. Prem's. 

$115,001 46 $575,007 30 
125,955 60 629,778 00 



Total, .... $101,614,800 00 
Deduct risks exp'd and termi'd, 49,445,900 00 



$240,957 06 $1,204,785 30 
116,012 22 580,061 10 



In force at end of year, . 



$52,168,900 00 $124,944 84 $624,724 20 



204 AMERICAN SURETY CO. OF NEW YORK. 



Miscellaneous. 

Losses incurred during the year, $78,077 00 

Percentage of profits or surplus returned during 1893, 30 per cent. 

Massachusetts Business. 

Risks written during the year, $36,923,400 00 

Premiums received (cash), 88,643 00 

Contingent premiums, 443,216 00 

Losses paid, 56,091 00 

Losses incurred, 59,032 00 



AMERICAN SURETY COMPANY OF NEW YORK, NEW YORK, N. Y 

[Incorporated April 14, 1884. Commenced business April 15, 1884.] 
Paid-up Capital, $2,000,000. 

Wm. L. Trendiolm, President. S. S. Colyille, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $350,000 00 $395,500 00 

Manhattan Railway Company stock, . 
Western Union Telegraph Company stock, 
Delaware & Hudson Canal Company stock, 
Louisville, St. Louis & Texas Railroad bonds 
State Trust Company (New York) stock, 
Missouri & Kansas Railroad bonds, . 
Toledo, St. Louis & Kansas City R.R. stock, 
Mechanics' National Bank stock, 



40,000 00 49,400 00 

170,000 00 140,675 00 

100,000 00 131,000 00 

116,000 00 29,000 00 

257,000 00 514,000 00 

35,000 00 26,950 00 



323,909 99 323,909 99 
9,825 00 18,755 00 



|1,401,734 99 $1,629,189 99 
Securities held as collateral for cash loans : — » 

Market Value. Loaned Thereon. 

Hazard-Hazard Company stock, . . . $35,000 00 $18,557 80 

Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . . $1,279,067 37 

Loans on mortgage of real estate (first liens*), 20,000 00 

Stocks and bonds, as per schedule, . . . 1,629,189 99 

Loans on collateral security, as per schedule, . 18,557 80 

Cash in the office of the company, . . . 2,984 18 

Cash deposited in bank, 183,939 99 

Interest due and accrued, 11,083 65 

* Value of lands mortgaged, $19,000 00 

Value of buildings thereon, 13,000 00 

Amount of insurance held as collateral, .... 12,000 00 



AMERICAN SURETY CO. OF NEW YORK. 



205 



Premiums in course of collection (gross), 
Notes taken for surety risks, .... 
Due and accrued for rents, .... 
Due from U. S. gov. ($67,068.49 since received), 
Premiums more than 3 months due, $32,076 25 

Gross assets, 

Deduct special deposits in other States, . 



$52,515 96 
4,716 46 
8,983 16 

160,000 00 



§3,371,038 56 
122,750 00 



Balance, $3,248,288 56 



Liabilities. 
Losses adjusted, unpaid, . 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, . 

Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, . 

Income 

Premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash premiums received, . 
Interest received on mortgages, 
Interest and dividends received from all 
Income from rents, .... 



Gross cash income, 



$107,495 25 

61,342 31 

388,416 06 

2,154 97 

$559,408 59 
9,245 30 



550,163 29 

. $2,698,125 27 
. 2,000,000 00 



$698,125 27 



$47,817 13 
846,357 18 

$894,174 31 
84,592 21 

$809,582 10 
81,442 18 



other sources, 



$728,139 92 

250 00 

104,509 48 

52,361 11 

$885,260 51 



Expenditures. 

Cash paid for losses, 

Deduct salvage and re-insurance, . 

Net cash paid for losses, - 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 



$285,996 20 
43,691 34 



$242,304 86 
160,000 00 

38,560 74 
170,021 63 

27,064 61 
103,470 46 

8741,422 30 



206 



CONVEYANCE TITLE INSURANCE CO. 



Risks and Premiums. 

Premiums. 

Risks outstanding Dec. 31, 1892, . . $97,683,308 00 $558,335 47 

Risks written during 1893, . . . 136,057,448 00 846,357 18 

Total, 

Deduct risks expired and terminated, 



In force at end of year, 



$233,740,756 00 $1,404,692 65 
106,725,418 00 627,800 54 



$127,015,338 00 $776,832 11 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 

Losses incurred during the year, 

Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by trustees, .... 

Massachusetts Business. 

Risks written during the year, 

Premiums received, 

Losses paid, 

Losses incurred, 



$3,488,429 00 
1,110,796 00 
275,443 00 
560,000 00 
160,000 00 
990,000 00 



86,677,700 00 

32,921 00 

7,137 00 

7,137 00 



CONVEYANCE TITLE INSURANCE COMPANY, BOSTON. 

[Incorporated Jan. 31, 1589. Commenced business March 18, 1889.] 

Paid-up Capital, $200,000. 

Frederick C. Bowditch, President. James R. C arret, Secretary. 

Henry H. Edes, Treasurer and Manager. 

Office, No. 28 State Street. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

100 shares Boston National Bank, . . . $10,000 00 

100 " Third National Bank, . . . 10,000 00 

100 " National Bank of Commerce, . . 10,000 00 

50 " State National Bank, . . . 5,000 00 



$35,000 00 

Summary of Assets Dec. 31, 1893. 
Loans on mortgage of real estate (first liens), 



Market Value. 

$9,300 00 

8,800 00 

11,625 00 

5,337 50 

835,062 50 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . 

Gross assets, .... 



$176,000 00 

35,062 50 

356 94 

16,471 21 



§227,890 65 



THE EMPLOYERS' LIABILITY ASSURANCE CORPORATION, L't'd. 207 

Liabilities. 

Profit and loss account (accumulated profits),. $27,946 52 

Gross liabilities, except capital, . . $27,946 52 

Income. 

Received from premiums and question fees, . $7,679 63 

Received from searches and com missions (net), 21,807 88 

Interest and dividends from all sources, . . 10,499 13 

Taxes refunded, 92 64 

Gross cash income, $40,079 28 

Expenditures. 

Cash dividends paid, $8,000 00 

Cash paid for salaries of officers and employees, . . . 11,361 20 

for State and local taxes, 92 64 

for counsel fees, expert fees and decisions, . . 5,376 40 

for incidentals, 3,807 19 

Gross cash expenditures, $28,637 43 

Miscellaneous. 

Amount of policies issued during the year, .... $1,654,100 00 

of mortgages bought during the year, . . . 1,512,675 00 

of mortgages sold during the year, . . ... 1,447,^87 00 

Capital stock at par, owned by the directors, .... 64,000 00 



UNITED STATES BRANCH OF "THE EMPLOYERS 1 LIABILITY 
ASSURANCE CORPORATION, LIMITED,' 1 LONDON, EXG. 

Deposit Capital, $400,000. 

George M. Endicott, Attorney. 

Office, 71 Kilby Street, Boston. 

Detailed Statement of Stocks and Bonds. 



Atchison 1st mortgage 4 per cent, bonds, 
Atchison 2d mortgage 4 per cent, bonds, 
Aroostook County 4 per cent, bonds, 
Baltimore & Ohio R.R. 5 per cent, bonds, 
Boston & Lowell R R. 5 per cent, bonds, 
Boston & Lowell R R. 4 per cent, bonds, 
Boston, Clin., Fitch. & N. B. R.R. 5 per cent, b'ds 
City of Lynn 4 per cent, bonds, 
City of Boston 3^ per cent, bonds, . 
City of Los Angeles 5 per cent, bonds, 1900, 
City of Los Angeles 5 per cent bonds, 1901, 
City of Los Angeles 5 per cent, bonds, 1902, 



Par Value. Market Value. 

$21,000 00 $13,650 00 

8,000 00 2,480 00 

5,000 00 5,000 00 

26,000 00 28,860 00 

5,000 00 5,075 00 

7,000 00 7,000 00 

1,000 00 1,100 00 

50,000 00 51,000 00 

86,000 00 82,560 00 

2,000 00 2,000 00 

2,000 00 2,000 00 

1,000 00 1,000 00 



208 the employers' liability assurance corporation, l't'd. 



City of Los Angeles 5 per cent, bonds, 1903, 
City of Los Angeles 5 per cent, bonds, 1904, 
City of Los Angeles 5 per cent, bonds, 1906, 
City of Los Angeles 5 per cent, bonds, 1907, 
Dexter & Piscataquis 4 per cent, bonds, . 
Eastern Railroad 6 per cent, bonds, . 
Fitchburg Railroad 5 per cent, bonds, 
Fall River Railroad 5 per cent, bonds, 
Leeds & Farmington R.R. 6 per cent, bonds, 
Maine Central 7 per cent, bonds, 
Maine Central 6 per cent, bonds, 
N. Y. Central & H. R. R.R. 7 per cent, bonds, 
N. Y. & N. E. R.R. 6 per cent, bonds, . 
Old Colony R.R. 6 per cent, bonds, 
Old Colony R.R. 4 per cent, bonds, . 
Oregon R.R. & Navig^ Co. 6 per cent, bonds 
Pennsylvania R.R. 5 per cent, bonds, 
Town of Andover 4 per cent, bonds, 
Town of Canton 4 per cent, bonds, . 
Town of Danville, 111., 5 per cent, bonds, 
United States registered 4 per cent bonds, 
City of Buffalo 3^ per cent, bonds, . 
West End Railway 5 per cent, bonds, 
City of Providence \V. L. 4 per cent, bonds, 
Phila., Wil. & Baltimore R.R. 4 percent, bonds, 
City of Springfield VV. L. 4 per cent, bonds, . 



Summary of Assets Dec 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in banks, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Gross assets, 

Unadmitted cash (not in control of trustees), 



Par Value. 

$4,000 00 
7,000 00 
7,000 00 
2,000 00 

50,000 00 
5,000 00 
6,000 00 
7,000 00 

18,000 00 
2,000 00 
5,000 00 

20,000 00 
7,000 00 
7,000 00 

15,000 00 

30,000 00 
5,000 00 

60,000 00 

5,000 00 

5,000 00 

200,000 00 

50,000 00 

50,000 00 
4,000 00 

50,000 00 
5,000 00 



Market Value. 

$4,000 00 
7,000 00 
7,000 00 
2,000 00 

50,000 00 
5,850 00 
6,120 00 
7,000 00 

18,360 00 
2,200 00 
5,450 00 

25,100 00 
6,650 00 
7,280 00 

15,150 00 

31,200 00 
5,675 00 

60,600 00 

5,050 00 

5,050 00 

226,000 00 

50,500 00 

50,500 00 
4,280 00 

50,250 00 
5,300 00 



Balance, $1,189,948 31 



$840,000 00 $865,290 00 

31, 1893. 

$865,290 00 

522 11 

58,934 01 

12,292 92 

253,938 24 

$1,190,977 28 

1,028 97 



Liabilities. 
Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Deposit capital, .... 



Surplus over capital, . 



$216,970 00 

461,782 00 

39,568 00 



$718,320 00 

$471,628 31 
400,000 00 

$71,628 31 



THE EMPLOYERS' LIABILITY ASSURANCE CORPORATION, l't'd. 200 



Income 

Premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash premiums received, . 
Interest and dividends received from all sources, 
Income from all other sources, 

Gross cash income, . 



. $186,964 73 
. 1,127,884 83 

. $1,314,849 56 
253,938 24 

. $1,060,911 32 
136,198 08 



$924,713 24 

36,941 91 

8,220 31 

$969,875 46 



Expenditures. 

K"et cash paid for losses, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

for profit and loss account, 

Gross cash expenditures, .... 



$486,555 02 
215,186 65 
70,568 15 
19,145 06 
80,845 49 
21,112 50 

$893,412 87 



Risks and Premiums. 

Premlnms. 

Risks outstanding Dec. 31, 1892, . . $159,950,874 00 $713,657 65 
Risks written daring 1893, . . . 253,774,087 00 1,127,884 83 



Total, $413,724,961 00 $1,841,542 48 

Deduct risks expired and terminated, . . 210,536,976 00 938,484 77 



In force at end of year, . 



$203,187,985 00 $903,057 71 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the year, .... 



. $4,553,169 00 

. 2,088,432 00 

464,370 00 



Massachusetts Business 
Risks written during the year, .... 

Premiums received, 

Losses paid, 

Losses incurred, 



$56,676,942 00 
283,384 00 
133,548 00 
116,288 00 



210 THE FIDELITY AND CASUALTY CO. OF NEW YORK. 



"THE FIDELITY AND CASUALTY COMPANY OF NEW YORK/ 1 
I NEW YORK, N. Y. 



[Incorporated March 20, 1876. Commenced business May 1, 1876.] 
Paid-up Capital, $250,000. 



George F. Seward, President. 



Robert J. Hillas, Secretary. 



Detailed Statement of Stocks 



United States registered bonds, 

State of Indiana bonds, 

Chicago, R. I. & Pac. R.R. bonds, 

Western Union Telegraph Co. bonds, 

Central Ohio R R bonds, . 

Wabash R.R. bonds, 

Cinn., Ind., St. Louis & Chic. R.R. bonds 

Central R.R. of New Jersey bonds, 

Lake Erie & Western R.R. bonds, . 

Brooklyn & Montauk R.R. bonds, . 

West Shore R.R. bonds, . 

Pitts., Clev. & Toledo R.R. Co. bonds, 

Canada Southern Ry. bonds, . 

Chesapeake & Ohio Ry. bonds, 

Kings County Elevated R.R. bonds, 

Rio Grande Western R.R. bonds, 

New York city bonds, 

City of Richmond, Va., bonds, . 

Atlantic Mutual Insurance Co. scrip, 

300 shares Chicago &■ Alton Ry., . 

300 

200 

350 
1,000 
1,000 

517 

200 

300 

300 

110 

300 

250 

300 

500 

300 



R.R. 



Western Union Tel. Co., 
Lake Shore & Mich. South., 
N. Y., Lacka. & West. R.R , 
Pitts., McKeesport & Youg. 
Penn. R.R , . . . . 
Morris & Essex Extension R R., 
United N. J. R.R., 
Rome, Wat. & Og. R.R., 
St. Paul & Duluth R.R., 
N. Y. C. &H. R. RR. Co, 
Cons. Gas Co. of New York, 
Clev., Cinn., Chic. & St. Louis Ry. 
Chic. & N.-West. Ry., . 
St P., Minn. & Mam Ry., 
Chicago, Mil. & St. Paul R.R., 



and Bonds. 

Par Value. 

$150,000 00 
50,000 00 
50,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
10,000 00 
10,000 00 
10,000 00 
100,000 00 
12 500 00 
29,900 00 
30,000 00 
30,000 CO 
20,000 00 
35,000 00 
50,000 00 
50,000 00 
51,700 00 
20,000 00 
30,000 00 
30,000 00 
11,000 00 
30,000 00 
25,000 00 
30,000 00 
50,000 00 
30.000 00 



Market Value. 

$166,500 00 
45,000 00 
49,937 50 
26,718 75 
25,625 00 
25,625 00 
22,875 00 
28,312 50 
28,125 00 
26,500 00 
25,937 50 
26,625 00 
27,250 00 
10,900 00 
8,200 00 
6,950 00 
90,000 00 
11,750 00 
31,096 00 
40,200 00 
24,562 50 
23,950 00 
38,850 00 
60,000 00 
47,875 00 
50,407 50 
45,400 00 
32,700 00 
25,200 00 
10,725 00 
37,200 00 
21,250 00 
29,175 00 
52,000 00 
34,725 00 



THE FIDELITY AND CASUALTY CO. OF NEW YORK. 



211 



300 shares Chic, St. P , Minn. & Omaha R.R., 
300 " Chic. & N.-West. Ry. Co., 
300 " Chic. & E. 111. Ry. Co., . 
100 " Manhattan Ry. Co., . 



Securities held as collateral for cash loans 
100 shares Chicago Gas Co., 

Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loan on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in banks, . 
Interest due and accrued, .... 

( Fidelity, . 



Par Value. 

$30,000 00 

30,000 00 

30,000 00 

10,000 00 



Market Value. 

$32,400 00 

40,800 00 

28,950 00 

12,150 00 



.,295,100 00 $1,372,447 25 



Premiums in course of 
collection (gross), 



Accident, . 

Plate-glass, 
I Steam-boiler, . 
| Emplo3'ers' liability 
I Burglary, 



Plate-glass on hand, . 
Miscellaneous mortgages, etc., . 

Gross assets, 
Deduct special deposit in Virginia, 



$54,063 77 



Balance, 



Liabilities. 



Unearned premiums on 
outstanding risks, 



< 



Losses claimed and reported, 
Deduct re-insurance, .... 

Net amount unpaid losses, 

r Fidelity, . 
Accident, . 
Plate-glass, 
Steam-boiler, . 
Employers' liability, 
Burglary, . 

Due and accrued for rents, salaries, etc., . 

Commissions and brokerage, . 

Re-insurance, 

Gcoss liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, . 



Market Value. 

$6,200 00 

31, 1893. 

$29,200 00 

22,600 00 

650 00 

1,372,447 25 

3,000 00 

78,122 79 

62,056 31 

3,934 63 

23,635 19 

162,838 91 

38,980 12 

67,321 80 

154,353 32 

4,573 50 

8,978 58 



Loaned Thereon. 

$3,000 00 



$2,032,692 40 
12,500 00 

$2,020,192 40 



$310,915 25 
2,985 54 

$307,929 71 
118,000 29 
376,920 30 
132,674 20 
170,768 33 
402,233 99 
14,064 87 

7,446 54 
133,451 38 

3,749 94 



1,667,239 55 

$352,952 85 
250,000 00 

$102,952 85 



212 THE FIDELITY AND CASUALTY CO. OF NEW YORK. 



Income. 

Cash received for fidelity risks, . . . $277,130 39 

Deduct re-insurance and return premiums, . 41,874 32 

Net cash received for fidelity risks, . . $235,250 07 

Cash received for accident risks, . . . $832,562 57 

Deduct re-insurance and return premiums, . 21,871 10 

Net cash received for accident risks, . . 8 1(>,69 1 47 

Cash received for plate-glass risks, . . . $262,572 75 

Deduct re-insurance and return premiums, . 10,340 45 

Net cash received for plate-glass risks, . . 252,232 30 

Cash received for boiler risks, .... $185,318 40 

Deduct re-insurance and return premiums, . 10,329 80 

Net cash received for boiler risks, . . . 174,988 60 

Cash received for employers 1 liability risks, . $791,665 70 

Deduct re-insurance and return premiums, . 47,707 44 

Net cash received for employers 1 liability risks, 743,958 26 

Cash received for burglary risks, . . . f 26,688 15 

Deduct re-insurance, 869 12 

Net cash received for burglary risks, . . 25,819 03 

Interest and dividends received from all sources, . . . 65,216 99 

Income from all other sources, 382 30 

Gross cash income, $2,308,545 02 



Expenditures. 

Cash paid for fidelity claims, . 

Deduct amount recovered, 

Net cash paid for fidelity claims, 

Cash paid for accident claims, . 

Deduct rebate and re-insurance, 

Net cash paid for accident claims, . 

Cash paid for plate-glass claims, 

Deduct salvage and re-insurance, 

Net cash paid for plate-glass claims, 

Net cash paid for steam-boiler claims, 

Net cash paid for employers 1 liability claims, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



$130,162 21 
33,693 92 

$366,430 04 
1,387 41 

$122,005 04 
11,972 10 



896,468 29 



365,012 63 



110,032 94 
19,450 12 

304,442 74 
20,000 00 

646,262 91 

241,563 21 
34,572 07 

292,540 47 



Gross cash expenditures, 



32,130,375 38 






THE FIDELITY AND CASUALTY CO. OF NEW YORK. 213 



Risks and Premiums. 

Premiums. 



Fidelity risks in force Dec. 31, 1892, . . $36,654,539 40 $234,315 28 
Fidelity risks written during the year, . . 43,626,929 50 266,082 48 



Total, 180,281,468 90 $500,397 76 

Deduct risks terminated 41,262,099 30 264,487 18 



In force Dec. 31, 1893, .... $39,019,369 60 $235,910 58 

Accident risks in force Dec. 31, 1892, . $134,549,655 00 $805,114 12 
Accident risks written during the year, . 133,096793 33 863,148 03 



Total, $267,646,448 33 $1,668,262 15 

Deduct risks terminated, . . . . 139,414,278 33 919,310 31 



In force Dec. 31,1893, . . . $128,232,170 00 $748,95184: 



» 



Plate-glass risks in force Dec. 31, 1892, . . $9,212,775 76 $251,765 29 
Plate-glass risks written during the year, . 9,713,648 64 269,806 30 



Total $18,926,424 40 $521,57159 

Deduct expirations and cancellations, . . 9,325,435 17 256,155 61 



In force Dec. 31, 1893, .... $9,600,989 23 $265,415 98 

Steam-boiler risks in force Dec. 31, 1892, . $41,947,747 19 $210,417 85 
Steam-boiler risks written during the year, . 55,699,543 61 228,560 11 



Total $97,647,290 80 $438,977 96 

Deduct expirations and cancellations, . . 32,533,128 93 129,011 67 



In force Dec. 31, 1893, . . . .$65,114,16187 $309,966 29 



Employers' liability risks in force Dec. 31, 1892, $61,491,633 15 $600,737 27 
Employers' liability risks written during the 

year 88,144,781 63 868,514 65 



Total, $149,636,414 78 $1,469,251 92 

Deduct expirations and cancellations, . . 61,952,633 15 674,386 52 



In force Dec. 31, 1893, .... $87,683,781 63 $794,865 40 



214 



THE FIDELITY AND CASUALTY CO. OF NEW YORK. 



Burglar}' risks in force Dec. 31, 1892, 
Burglary risks written during the year, 



$ 1,1 20,800 00 
3,421,450 00 



Total 

Deduct expirations and cancellations, 

In force Dec. 31, 1893, 



$4,542,250 00 
1,054,300 00 



Premiums. 

$9,114 23 
27,720 69 



$36,834 78 
8,705 03 



$3,487,950 00 $28,129 75 



Total risks in force Dec. 31, 1893, . 



$333,138,422 33 $2,383,239 84 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 

Losses incurred during the year, 

Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, .... 



$12,516,069 36 

4,608,992 53 

1,046,857 19 

242,500 00 

20,000 00 

101,500 00 



Premiums received, . 
Losses incurred, 
Losses paid, 
Risks written, . 



Massachusetts Business. 

Fidelity. Accident. 

$24,038 39 $33,597 02 

155 81 8,903 89 

155 81 8,903 89 

4,388,150 00 6,881,100 00 



FIDELITY AND DEPOSIT CO. OF MARYLAND. 



215 



"FIDELITY AND DEPOSIT COMPANY OF MARYLAND," BALTI- 
MORE, MD. 

[Incorporated Feb. 15, 1890. Commenced business June, 1890.] 

Paid-up Capital, $500,000. 

Edwin Warfield, President. Herman E. Bosler, Secretary. 



Detailed Statement of Stocks and Bonds. 



Baltimore city bonds, 

Westminster city bonds, . 

Frederick city bonds, 

Maryland State bonds, 

North Carolina State bonds, 

Union R.R. bonds, 

Richmond & Dan v. R.R. (receiver's certificate), 

Baltimore consolidated gas bonds, . 

Petersburg R.R. bonds, 

Pittsburg & Comiellsville R R bonds, 
Wilmington & Welden R.R. bonds, . 



Par Value. 

$151,800 00 
25,000 00 
15,400 00 
10,000 00 
10,100 00 
10,000 00 
50,000 00 

8,000 00 
10,000 00 
15,000 00 

9,000 00 



Market Value. 

$151,800 00 
25,000 00 
15,708 00 
10,100 00 
10,100 00 
10,703 00 
50,000 00 

9,040 00 
10,700 00 
16,200 00 

9,765 00 



$314,300 00 $319,113 00 



Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . $336,315 91 

Stocks and bonds, as per schedule, . . . 319,113 00 

Cash in the office of the company, . . . 2,789 66 

Cash deposited in bank, 25,000 00 

Premiums in course of collection (gross), . 9,708 22 

Notes taken for surety risks, .... 6,443 61 
Furniture and fixtures, . . . f 1,000 00 

Gross assets, 



$699,370 40 



Liabilities. 

Losses claimed and reported, .... $3,288 81 

Losses disputed or resisted, .... 10,644 02 

Unearned premiums on outstanding risks, . 56,948 04 

Commissions and brokerage, .... 1,190 74 

Gross liabilities, except capital, . . 



72,071 61 



Surplus as regards policy-holders, $627,298 79 

Paid-up capital, 500,000 00 



Surplus over capital, ........ $127,298 97 



216 FIDELITY AND DEPOSIT CO. OF MARYLAND. 



Income. 

Premiums outstanding Dec. 31, 1892, . . $9,558 79 

Same not collected, 960 00 



Net collected, $8,598 79 

Premiums on risks written or renewed, . . 110,278 77 



Total $118,877 56 

Premiums now in course of collection, . . 16,151 83 



Entire premiums collected, .... $102,725 73 
Less re-insurance and return premiums, . . 1,513 03 

Net cash premiums received, . . . $101,212 70 

Interest and dividends received from all sources, . . . 15,683 2-1 
Income from interest on trust funds, . . $39,727 24 



Gross cash income, $116,895 94 

Expenditures. 

Cash paid for losses, $7,966 40 

Deduct salvage and re-insurance, . . . 303 25 

Net cash paid for losses, .... $7,663 15 

Cash paid for commissions and brokerage, .... 8,498 78 

for salaries of officers and employees, . . . 15,969 04 

for State and local taxes, 10,730 93 

for incidentals 11,480 23 

for interest on trust funds, . . $14,703 14 



Gross cash expenditures, $54,342 13 

Risks and Premiums. 

Premiums. 

Risks outstanding Dec. 31, 1892, . . .$14,611,113 77 $69,572 56 
Risks written during 1893, .... 28,387,67961 110,27877 



Total, •. . .$42,998,793 38 $179,85133 

Deduct risks expired and terminated, . . 11,894,386 85 65,955 24 



In force at end of year, $31,104,406 53 $113,896 09 

Miscellaneous. 

Premiums received from organization of company, . . $232,455 00 

Losses paid from organization of company, .... 10,353 00 

Company's stock owned by directors, 234,450 00 

Massachusetts Business. 

Risks written, $476,550 00 

Premiums received, 3,938 00 



THE GUARANTEE CO. OF NORTH AMERICA. 



217 



UNITED STATES BRANCH OF "THE GUARANTEE COMPANY 
OF NORTH AMERICA," MONTREAL, CAN. 

Deposit Capital, $200,000. 

Edward Rawlings, President. Robert Kerr, Secretary. 



Detailed Statement of 



United States bonds, . 

Richmond city bonds, 

Toronto city bonds, . 

Montreal harbor bonds, . 

L. E. & St. Louis Railroad bonds, 

Canada Southern Railroad bonds, 

Brooklyn city bonds, 

United States Guarantee Company stock, 

Philadelphia Bourse stock, 



Stocks and Bonds 

Par Value. 

$100,000 00 

15,000 00 

10,000 00 

17,000 00 

9,150 00 

10,000 00 

100,000 00 

149,100 00 

200 00 



$410,450 00 
Summary of Assets Dec. 31, 1893. 



Market Value. 

$112,900 00 

15,150 00 

10,900 00 

19,535 00 

3,431 25 

10,200 00 

100,000 00 

149,100 00 

200 00 

$421,416 25 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Stocks and bonds, as per schedule, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Furniture and safes, 

Gross assets, 



Special deposit in Virginia, 
Stocks and bonds, . ^ 
Real estate, . . I 
Loans on mortgages, }> 
Cash, . 
Office furniture, 



Unadmitted. 



not in control 
trustees, 



of 



$33,436 33 

9,530 00 

421,416 25 

56,869 93 

3,210 00 

17,766 61 

2,506 38 



$15,150 00 
68,266 25 
33,436 33 

9,530 00 
56,869 93 

2,506 38 



§544,735 50 



Balance, 

Liabilities. 

Losses claimed and reported, . 

Losses disputed or resisted, 

Unearned premiums on outstanding risks, 

Due and accrued for rent, salaries, etc., 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, 
Deposit, 



185,758 89 
$358,976 61 



Surplus over capital, 



$14,650 00 

35,535 50 

86,572 40 

6,693 05 



$143,450 95 
2,025 75 



141,425 20 

$217,551 41 
200,000 00 

$17,551 41 



218 



THE GUARANTEE CO. OF NORTH AMERICA. 



Income. 
Premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash premiums received, . 

Interest and dividends received from all sources, 

Income from claims recovered, 



$28,743 59 
210,290 73 

$239,034 32 
17,766 61 

$221,267 71 
35,279 80 



1185,987 91 
19,274 80 
12,273 65 



Gross cash income, §217,536 36 



Expenditures. 

Cash paid for losses, 

Deduct salvage and re-insurance, 

Net cash paid for losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for inspections, .... 

for incidentals, 



$90,734 48 
11,131 82 



Gross cash expenditures, 



$79,602 66 

7,032 00 

4,317 57 

21,286 20 

53 18 

27,412 93 

20,089 10 



1164,493 64 



Risks outstanding Dec. 31, 1892, 
Eisks written during 1893, 



Risks and Premiums. 

Premiums. 

.$42,469,947 00 $213,038 44 
. 47,033,550 00 209,503 83 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



. $89,503,497 00 $422,542 27 
. 46,268,825 00 215,382 32 



. $43,234,672 00 $207,159 95 
. 6,730,783 00 34,015 15 



. $36,503,889 00 $173,144 80 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the year, .... 

Massachusetts Business. 
Risks written during the year, .... 

Premiums received, 

Losses paid, 

Losses incurred, 



$2,000,888 00 

739,001 00 

93,070 00 



. $5,297,100 00 

26,046 00 

2,022 00 

990 00 



THE HARTFORD STEAM BOILER INSPECTION AND INS. CO. 210 



"THE HARTFORD STEAM BOILER INSPECTION AND INSUR- 
ANCE COMPANY, 1 ' HARTFORD, CONN. 

[Incorporated June, 1866. Commenced business October, 1866.] 

Paid-up Capital, $500,000. 

J. M. Allen, President. J. B. Pierce, Secretanj. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

State of Connecticut bonds, .... $100,000 00 § 107,500 00 

United States bonds, 2,000 00 2,280 00 

Wooster, Ohio, city bonds, .... 10,000 00 10,000 00 

Atchison, Kansas, city bonds 15,000 00 15,750 00 

Solomon, Kansas, city bonds 5,000 00 5,500 00 

Hutchinson, Kansas, city bonds, . . . 12,000 00 12,600 00 

Cullison, Kansas, city bonds, .... 6,50000 7,15000 

Kansas City, Kansas, city bonds, . . . 7,500 00 7,500 00 

Coolidge, Kansas, city bonds, .... 10,00000 7,50000 

Leavenworth, Kansas, city bonds, . . . 2,500 00 2,625 00 

Horton, Kansas, city bonds, .... 12,000 00 12,600 00 

Evansville, Indiana, city bonds, . . . 12,000 00 12,000 00 

Council Bluffs, Iowa, city bonds, . . . 10,000 00 10,500 00 

Winfield, Kansas, city bonds, .... 10,000 00 10,500 00 

Oberlin, Kansas, city bonds, .... 5,000 00 5,250 00 

Medicine Lodge, Kansas, city bonds, . . 5,000 00 5,250 00 

York, Nebraska, city bonds, .... 10,000 00 10,500 00 

Columbus, Nebraska, city bonds, . . . 10,000 00 10,500 00 

Trinidad, Colorado, city bonds, . . . 5,000 00 5,250 00 

Gladstone, Michigan, city bonds, . . . 10,000 00 10,500 00 

Gladwin, Michigan, city bonds, . . . 7,000 00 7,700 00 

Albina, Oregon, city bonds, .... 10,000 00 10,500 00 

Astoria, Oregon, city bonds, .... 19,000 00 19,950 00 

Rockport, Texas, city bonds, .... 10,000 00 10,500 00 

Wheeling, West Virginia, city bonds, . . 10,000 00 10,500 00 

Huntington, West Virginia, city bonds, . . 10,000 00 10,500 00 

Richmond, Virginia, city bonds, . . . 25,000 00 25,000 00 

Roanoke, Virginia, city bonds, .... 5,000 00 5,250 00 

Fort Worth, Texas, city bonds, . . . 10,000 00 10,000 00 

Dallas, Texas, city bonds, .... 10,000 00 10,000 00 

Tyler, Texas, city bonds, 6,000 00 6,300 00 

Ogden, Utah, city bonds, 5,000 00 5,250 00 

Olympia, Washington, city bonds, . . . 10,000 00 10,500 00 

Athens, Georgia, city bonds, .... 20,000 00 20,000 00 

Abilene, Kansas, Board of Education bonds, . 10,000 00 10,500 00 

Anthony, Kansas, Board of Education bonds, . 12,500 00 13,125 00 

Nebraska school district bonds, . . . 500 00 500 00 

Nebraska school district bonds, . . . 8,962 00 8,962 00 

Kansas school district bonds, .... 11,435 00 11,435 00 



220 TPIE HARTFORD STEAM BOILER INSPECTION AND INS. CO. 



Kansas school district bonds, .... 
Colorado school district bonds, 
Maricopa, Arizona, school district bonds, 
Redl'ds,Lugonia & Crat'n Union H. S. dist. b'ds, 
Mason & Tazewell Drainage Dist., 111., bonds, 
W. C. Special Drainage District, 111., bonds, . 
Big Slouch Drainage District, III , bonds, 
Arizona Improvement Company bonds, . 
Oxford, Kansas, township bonds, 
Oswego, Kansas, township bonds, 
Jefferson, Kansas, township bonds, 
Reno, Kansas, township bonds, 
Dexter, Kansas, township bonds, 
Haskell, Kansas, township bonds, 
Albion, Nebraska, village bonds, 
Southwestern Irrigation Co., Kausas bonds, 
Garden City Irrigation Co., Kansas bonds, 
School Creek Precinct, Clay Co., Neb., bonds 
Sutton Precinct, Clay Co., Nebraska, bonds, 
Lewis Precinct, Clay Co., Nebraska, bonds, 
Pawnee County, Kansas, bonds, 
Dickinson County, Kansas, bonds, . 
Riley County, Kansas, bonds, . 
Lyon County, Iowa, bonds, 
Cascade County, Montana, bonds, . 
Albany County, Wyoming, bonds, . 
Spokane County, Washington, bonds, 
Snohomish County, Washington, bonds, 
Travis County, Texas, bonds, . 
Rains County bonds, 
Graham Count}', Arizona, bonds, 
St. Louis & San Francisco Railway bonds, 
Cincinnati, Dayton & Ironton Railroad bonds 
Evansville & Richmond Railroad bonds, . 
Dayton & Western Railroad Company bonds, 
Mahoning Coal Railroad Company bonds, 
Cincinnati, Van Wert & Mich R R. Co. bonds, 
Chic, Burl. & Quincy R R. Co. conv'ble bonds, 
New York & New England R.R. Co. bonds, . 
Indiana & Lake Michigan R.R. Co bonds, 
Jamaica & Brooklyn Road Company bonds, . 
Kanawha & Michigan Railway Co. bonds, 
Clev., Cm., Chic & St. Louis R'y Co. bonds, . 
Terre Haute & Peoria Railroad Co. bonds, 
Chic, Burl. &Qu'y R.R. Co. Consol. Mtg. b'ds, 
Chicago & Western Indiana Railroad bonds, . 
Evansville & Indianapolis R.R. Co. bonds, 
N. Y., N. Hav & Hart. R.R. Co. deben. bonds, 



Par Value. 

$5,000 00 
10,000 00 
10,000 00 
10,200 00 
2,500 00 
10,000 00 
15,000 00 
16,000 00 
10,000 00 
10,000 00 
10,000 00 
15,000 00 
10,000 00 
5,000 00 
6,500 00 
5,000 00 
10,000 00 
5,000 00 
5,000 00 
8,000 00 
11,000 00 
15,000 00 
10,000 00 
10,000 00 
8,000 00 
10,000 00 
10,000 00 
8,000 00 
10,000 00 
5,000 00 
5,000 00 
10,000 00 
10,000 00 
10,000 00 
15,000 00 
10,000 00 
12,000 00 
2,200 00 
10,000 00 
10,000 00 
5,000 00 
10,000 00 
5,000 00 
10,000 00 
1,000 00 
25,000 00 
5,000 00 
6,000 00 



Market Value. 

$5,000 00 
10,000 00 
10,500 00 
10,404 00 
2,500 00 
10,500 00 
15,450 00 
16,000 00 
10,500 00 
10,000 00 
K>,500 00 
15,750 00 
10,500 00 
5,500 00 
7,150 00 
5,000 00 
10,000 00 
5,250 00 
5,250 00 
8,400 00 
11,550 00 
15,750 00 
10,500 00 
6,500 00 
8,720 00 
10,500 00 
10,500 00 
8,400 00 
9,000 00 
5,250 00 
5,350 00 
4,000 00 
10,000 00 
10,000 00 
17,250 00 
10,000 00 
9,000 00 
2,200 00 
10,000 00 
10,000 00 
5,000 00 
8,000 00 
4,750 00 
10,000 00 
1,100 00 
27,500 00 
5,250 00 
4,500 00 



THE HARTFORD STEAM BOILEU INSPECTION AND INS. CO. 221 



40 shares City National Bank stock, Hart , . 

100 " Hartford Nat'l Bank stock, Hart., . 

100 " Security Company, Hartford, stock, 

100 " American Nat'l Bank, Hart., stock, 

85 " Far's & Mech's N'l B'k, Hart., stock, 

43 " iEtna National Bank, Hart , stock, 

150 " N. Y., N. H. & H. R.R. Co., stock, . 

120 " Chic, Burl. & Qu'y R.R. Co., stock, 

100 " Chic, Mil. & St Fl R.R. Co. pref. s'k, 

100 " Atch , Top. & San. Fe R.R. Co. s% 

110 " Chic, Rock IslM & Pac R'y Co. s^k, 

100 " Chic. & N W. R.R. Co. pref stock, 

50 •• Bald Eagle Valley R.R. stock, 

200 " Northwestern Telegraph Co stock, 



Par Value. 

$4,000 00 

10,000 00 

10,000 00 

5,000 00 

8,500 00 

4,300 00 

15,000 00 

12,000 00 

10,000 00 

10,000 00 

11,000 00 

10,000 00 

2,500 00 

10,000 00 



Market Value. 

$4,000 00 

15,500 00 

16,000 00 
6,000 00 
9,350 00 
5,805 00 

29,250 (0 
9,000 00 

11,500 00 
1,200 00 
7,150 00 

13,600 00 
5,000 00 

10,200 00 



$1,018,597 00 $1,056,006 00 



Securities held as collateral for cash loans : — 
So. Fork Irrigation & Improvement Co. bonds, 



Market Value. 

$6,000 00 



Loaned Thereon. 

$5,000 00 



Summary of Assets Dec. 

Cash value of unencumbered real estate,. 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, . 
Cash in the office of the company, . ' . 

Cash deposited in bank, 

Interest clue and accrued, 

Premiums in course of collection (gross), 

Gross assets, 

Deduct special deposits in other States, . 



31, 1893. 

$78,964 41 

272,670 00 

7,179 88 

1,056,006 00 

5,000 00 

5,109 95 

92,177 22 

21,886 30 

323,507 49 



$1,862,501 25 
25,000 00 



Balance, $1,837,501 25 



Liabilities. 
Losses claimed and reported, . . . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$20,983 20 

1,188,472 69 

29,757 41 

$1,239,213 30 
11,141 38 



Surplus over capital, . 



1,228,071 92 

$609,429 33 
500,000 00 

$109,429 33 



* Value of lands mortgaged, $826,488 00 

Value of buildings thereon 174,410 00 

Amount of insurance held as collateral, .... 47,795 00 



222 THE HARTFORD STEAM BOILER INSPECTION AND INS. CO. 



Income. 

Premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash received for premiums and inspec 

tions, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from all other sources, 



Gross cash income, .... 

Expenditures. 

Cash paid for losses, .... 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for inspections, 

for incidentals, 

Gross cash expenditures, . 



$122,261 72 
1,007,293 30 

$1,129,555 02 
323,507 49 

$806,047 53 
76,544 41 



sources, . 



$729,503 12 

15,917 67 

51,725 53 

2,068 95 

$799,215 27 



$67,085 75 
60,000 00 

171,99- 
30,455 00 
14,369 79 

258,202 12 

112,444 71 

$714,556 29 



Risks and Premiums. 

Premiums. 

Risks outstanding Dec. 31, 1892, . . $193,415,052 00 $1,881,327 24 

113,488,943 00 1,007,293 30 



Risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$306,903,995 00 |2,888,620 54 
74,059,474 00 687,238 76 



$232,844,521 00 $2,201,381 78 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the year, .... 



$8,152,958 00 

700,912 00 

66,675 00 



Massachusetts Business. 

Risks written during the year, 

Received for premiums and inspections, . 

Losses paid, 

Losses incurred, 



613,875,383 00 

140,010 00 

942 

881 



THE LAWYERS' SURETY CO. OF NEW YORK. 



223 



"THE LAWYERS 1 SURETY COMPANY OF NEW YORK," 

NEW YORK, N. Y. 

[Incorporated March 30, 1892. Commenced business April 1, 1892.] 
Paid-up Capital, $500,000. 

Joel B. Erhardt, President. Frank Sperry, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

New York city bonds, $145,455 90 $450,239 55 

Chesapeake & Ohio R.R. bonds, . . . 20,000 00 14,346 00 

Virginia Midland R.R. bonds, .... 15,000 00 10,650 00 

$480,455 90 $475,235 55 



Summary of Assets Dec. 31, 1893. 



Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Premiums more than 3 months due, $8,694 10 
Gross assets, 



$8,629 20 

475,235 55 

476 47 

29,277 21 

16,619 57 



$530,238 00 



Liabilities. 

Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



Impairment of capital, 



Income 
Premiums outstanding Dec. 31, 1892, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash premiums received, 
Interest and dividends received from all sources, 

Gross cash income, 



$41,065 25 
745 83 



1,641 92 

458 00 



$3,183 92 
100,611 77 

^103,795 69 
25,313 67 

$78,482 02 
5,619 59 



41,811 08 

$488,426 92 

500,000 00 

$11,573 08 



$72,862 43 
13,911 45 



,773 88 



224 LLOYDS PLATE-GLASS INSURANCE CO. OF NEW YORK. 



Expenditures. 
Cash paid for losses, 

Deduct salvage and re-insurance, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



$1,874 38 
1,874 38 



Gross cash expenditures, .... 

Risks and Premiums. 



Risks outstanding Dec. 31, 1892, 
Risks written during 1893, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



. $4,047,087 00 
. 15,147,862 00 

$19,194,949 00 
. 6,326,018 00 



$3,068 51 

31,973 64 

884 24 

18,201 32 

$54,127 71 

Premiums. 

$28,195 4 2 

100,611 77 

} 128,807 19 

46,676 70 



$12,868,931 00 $82,130 49 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 

Massachusetts Business. 

Risks written during 1893, 

Premiums received, 



$98,348 00 
1,874 00 

$1,407,723 00 
8,829 00 



"LLOYDS PLATE-GLASS INSURANCE COMPANY OF NEW YORK," 

NEW YORK, N. Y. 

[Incorporated August, 1882, Commenced business Sept. 4, 1882.] 
Paid-up Capital, $250,000. 

W. T. Woods, President. C. E. W. Chambers, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, $100,000 00 

Brooklyn & Coney Island Railroad bonds, . 5,000 00 

Atlantic Avenue Railroad bonds, . . . 10,000 00 

Toledo & Ohio Central Railroad bonds, . . 10,000 00 

Second Avenue Railroad bonds, . . . 5,000 00 

Brooklyn Cross Town, 5,000 00 

Northern Pacific & Montana Railroad bonds, . 20,000 00 

Dominion of Canada bonds, .... 10,000 00 

Pennsylvania Plate Glass Company bonds, . 10,000 00 

Brooklyn City & Newtown Railroad bonds, . 5,000 00 

New York Elevated Railroad bonds,. . . 10,000 00 

Brooklyn Trust Company stock, . . . 2,500 00 

Brooklyn & New York Ferry Company stock, 5,000 00 

Equitable Gas Light Company stock, . . 10,000 00 



Market Value. 

$112,000 00 

5,050 00 

10,000 00 

10,900 00 

5,100 00 

5,300 00 

5,775 00 

10,800 00 

10,000 00 

5,200 00 

11,337 50 

10,000 00 

9,250 00 

18,800 00 



$207,500 00 $229,512 50 



LLOYDS PLATE-GLASS INSURANCE CO. OF NEW YORK. 225 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash in the office of the companj*, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 

Bills receivable, 

Premiums more than 3 months due, $12,422 13 

Gross assets, 

Deduct special deposits in other States, . 



31, 1893. 

$265,000 00 

229,512 50 

4,792 79 

21,680 06 

300 00 

74,908 65 

1,550 00 

1,492 65 



$599,236 65 
10,800 00 



Balance, $588,436 65 



Liabilities. 

Losses claimed and reported, .... $2,856 08 

Unearned premiums on outstanding risks, . 207,871 12 

Due and accrued for rent, salaries, etc., . . 29,362 35 

Commissions and brokerage, - .... 18,727 16 

Gross liabilities, except capital, . . $258,816 71 

Deduct liability on special deposits, . . 10,800 00 



Surplus as regards policy-holders, . 
Paid-up capital, 



248,016 71 

$340,419 94 
250,000 00 



Surplus over capital, $90,419 94 



Income. 

Premiums outstanding Dec. 31, 1892, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total, ...... 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash premiums received, . 

Interest and dividends received from all sources, 

Income from rents, .... 

Profit on securities sold, . 



$67,625 35 
3,129 92 



$64,495 43 
430,224 63 



$494,720 06 
87,330 78 

$407,389 28 
31,408 40 



$375,980 88 

19,591 58 

6,892 54 

2,150 84 



Gross cash income, . 



$104,615 84 



226 LONDON GUARANTEE AND ACCIDENT CO., LIMITED. 



Expenditures. 

Cash paid for losses, 

Deduct salvage and re-insurance, 

Net cash paid for losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for repairs on real estate, 

for incidentals, 



$221,560 60 
56,591 10 



Gross cash expenditures, 



$164,969 60 
40,000 00 
103,998 61 
44,072 34 
10,625 32 
4,993 93 
19,961 93 

$388,621 63 



Risks and Premiums. 

Premiums. 

Risks outstanding Dec. 31, 1892, . . .$13,334,257 00 $371,987 34 



Risks written during 1893, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



. 15,122,197 00 430,224 63 



. $28,456,454 00 $802,211 97 
. 13,598,654 00 387,463 03 



.$14,857,800 00 $414,748 94 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
[Losses incurred during the year, .... 



$3,173,914 00 

1,439,441 00 

164,168 00 



Massachusetts Business. 

Tiisks written during the year, . . . '. . . .$1,128,018 00 

Premiums received, 26,072 00 

Losses paid, 14,823 00 

Losses incurred, 14,752 00 



UNITED STATES BRANCH OF THE "LONDON GUARANTEE AND 
ACCIDENT COMPANY, LIMITED," LONDON, ENG. 

Deposit Capital, $200,000. 
A. C. Edwards, Resident Manager, Chicago, III. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, $200,000 00 

Pennsylvania Railroad bonds, .... 10,000 00 

N. Y. Central & Hudson River R.R. bonds, . 10,000 00 



Market Value. 

$225,000 00 
12,500 00 
11,000 00 



$220,000 00 $248,500 00 



LONDON GUARANTEE AND ACCIDENT CO., LIMITED. 227 



Summary of Assets Dec 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Gross assets, 



31, 1893. 

$248,500 00 

10,977 13 

30,103 68 

107,181 73 



$396,762 54 



Unad?nitted. 

Premiums in course of collection more than 3 

months due, $2,948 25 

Cash not in control of trustees, . . . 41,080 81 



44,029 06 



Balance, $352,733 48 

Liabilities. 

Losses adjusted, unpaid, $19,733 93 

Losses claimed and reported, .... 1,250 00 

Unearned premiums on outstanding risks, . 109,897 53 

Commissions and brokerage, .... 26,795 44 

Due for re-insurance, 360 75 

Gross liabilities, except capital, . . 158,037 65 



Surplus as regards policy-holders, $194,695 83 

Deposit capital, 200,000 00 

Impairment of capital, $5,304 17 

Income. 
Premiums outstanding Dec. 31, 1892, . . $1,658 02 

Same not collected, 82 54 



Net collected, $1,575 48 

Premiums on risks written or renewed, . . 244,886 84 



Total $246,462 32 

Premiums now in course of collection, . . 107,181 73 



Entire premiums collected, .... $139,280 59 
Less re-insurance and return premiums, . 19,773 76 

Net cash premiums received, . . . $119,506 83 

Interest and dividends received from all sources, ... 37 40 



Gross cash income, ........ $119,544 23 

Expenditures. 

Cash paid for losses, $7,591 37 

Cash paid for commissions, brokerage, salaries, etc., . . 47,242 84 

Cash paid for incidentals, 1,755 49 



Gross cash expenditures, $56,589 70 



228 



MASSACHUSETTS TITLE INSURANCE CO. 



Risks and Premiums. 

Risks outstanding Dec. 31, 1892, . . . $1,802 02 

Risks written during 1893, .... 244,886 84 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, 



$246,688 86 
26,437 77 

?220,251 09 
456 02 

$219,795 07 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the year, .... 



Massachusetts Business. 



Risks written, . 
Premiums received, 
Losses paid, 



$ 119,650 00 

•1 00 

28,575 00 



$22,638 00 

12,646 00 

17 00 



MASSACHUSETTS TITLE INSURANCE COMPANY, BOSTON. 

[Incorporated Jan. 19, 1885. Commenced business March 6, 1885.] 
Paid-up Capital, $300,000. 

Arnold A. Rand, 

Vice President and Manager. 

Office, 23 Milk Street. 



J. Thomas Baldwin, 

Clerk and Treasurer. 



Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . . $832 27 

Loans on mortgage of real estate (first liens), 134,062 33 

Interest due or accrued thereon, . . . 1,333 10 

Plant of company, 182,500 00 

Stocks owned by the company, . . . 6,550 00 

Cash in office and in bank, .... 7,664 36 

Interest due and accrued and bills receivable, 2,028 75 

Premiums in course of collection (gross), . 8,959 20 
Furniture and fixtures, . . $5,403 03 

Gross assets, 

Liabilities. 

Company's notes, $8,500 00 

Interest accrued on same, 100 97 

Gross liabilities, except capital, . . 



$343,930 01 



8,600 97 



THE METROPOLITAN PLATE-GLASS INS. CO. OF NEW YORK. 229 



Income. 



Cash premiums received, . 
Interest and dividends received, 
Income from conveyances, 
Income from guaranty fund, . 



Gross cash ineome, 



$33,263 00 

677 50 

13,716 37 

4,679 78 

$52,336 65 



Expenditures. 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 

for rent, 

for incidentals, 



$650 66 

33,252 26 

455 91 

4,700 00 

5,931 74 



Gross cash expenditures, $44,990 57 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the year, . 
Company's stock owned by directors, 



$277,126 00 
10,872 00 
10,872 00 
92,860 00 



" THE METROPOLITAN PLATE GLASS INSURANCE COMPANY 
OF NEW YORK," NEW YORK, N. Y. 

[Incorporated April 22, 1874. Commenced business April 23, 1874.] 

Paid-up Capital, $100,000. 

Henry Harteau, President. Eugene H. Winslow, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $100,000 00 $11-4,000 00 

Fifth Avenue National Bank stock, . . . 2,000 00 3,000 00 

Hamilton National Bank stock, . . . 2,500 00 3,500 00 

Brooklyn National Bank stock, . . . 8,900 00 17,800 00 

Fulton Municipal Gas-Light Co. stock, . . 5,000 00 7,000 00 

Kings County Trust Co. stock,. . . . 2,000 00 5,600 00 

Long Island Safe Deposit Co. stock, . . 2,500 00 2,525 00 

Western Union Telegraph Co. stock, . . 5,000 00 4,200 00 

Brooklyn Electric Light Co. stock, . , . 2,060 00 3,708 00 



$129,960 00 $161,333 00 



230 THE METROPOLITAN PLATE-GLASS INS. CO. OF NEW YOllK. 



Summary of Assets Dec. 31, 1893. 



Cash value of unencumbered real estate, . 
Stocks and bonds as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Bills receivable, 
Premiums more than 3 months due, $1,913 78 
Gross assets, 



$150,000 00 

161,333 00 

3,550 26 

35,782 15 

32,539 76 

532 66 



$383,737 83 



Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



$ 1,500 00 

124,000 19 

6,003 09 

8,613 38 



140,116 66 

$243,621 17 
100,000 00 

$143,621 17 



Income. 

Premiums outstanding Dec. 31, 1892, . . $30,404 17 
Premiums on risks written or renewed, . . 272,233 94 

Total, $302,638 11 

Premiums now in course of collection, . . 34,453 54 

Entire premiums collected, .... $268,184 57 
Less re-insurance and return premiums, . . 30,237 86 

Net cash premiums received, .... 

Interest and dividends received from all sources, . 

Income from rents, 



$237,946 71 
6,231 01 
2,911 31 



Gross cash income, $247,089 03 



Expenditures. 

Cash paid for losses, 

Deduct salvage and re-insurance, 

Net cash paid for losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for expense on real estate, 

Gross cash expenditures, .... 



$108,840 06 
3,424 97 



$105,415 09 

16,000 00 

74,995 86 

36,474 28 

3,611 07 

2,462 S5 

$238,959 15 



MUTUAL BOILER INSURANCE CO. 



231 



Risks and Premiums. 

Premiums. 

Risks outstanding Dec. 31, 1892, . . . $8,338,417 00 $231,37165 

Risks written during 1893, .... 9,812,821 00 272,233 94 

Total, $18,151,238 00 $503,605 59 

Deduct risks expired and terminated, . • . 9,367,981 00 255,605 20 

In force at end of year, .... $8,783,25700 $248,00039 

Miscellaneous. 

Premiums received from organization of company, . . $2,380,613 00 

Losses paid from organization of company, .... 905,336 00 

Losses incurred during the year, 103,915 00 

Company's stock owned by directors, 43,600 00 

Massachusetts Business. 

Risks written during the year, $998,605 00 

Premiums received, 22,127 00 

Losses paid, 11,034 00 

Losses incurred, 11,034 00 



MUTUAL BOILER INSURANCE COMPANY, BOSTON. 

[Incorporated April, 1877. Commenced business June, 1877.] 

J. Howard Nichols, President. D. W. Lane, Secretary. 

Office, 31 Milk Street. 



Detailed Statement of Stocks and Bonds. 

Fitchburg Railroad bonds, 

Maine Central Railroad bonds, 

Chicago, Burlington & Northern R.R. bonds-, . 

Atchison, Topeka & Santa Fe Railroad bonds, 

Chicago, Burlington & Quincy R.R. bonds, 



Summary of Assets Dec 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 

Interest accrued, 

Premiums in course of collection (gross), 

Mileage tickets, 

Gross assets, 



Par Value. 


Market Value. 


$3,000 00 


$3,000 00 


2,000 00 


2,080 00 


1,000 00 


1,025 00 


1,000 00 


670 00 


2,000 00 


1,860 00 


$9,000 00 


$8,635 00 


. 31, 1893. 




18,635 00 




12 57 




4,494 96 




85 83 




409 98 




64 82 






$13,703 16 



232 



MUTUAL BOILER INSURANCE CO. 



Liabilities. 

Unearned premiums on outstanding risk?, . $5,295 70 

State and local taxes, 29 04 

Gross liabilities, 



Net cash assets, 



$5,324 74 



$8,378 42 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest from all sources, . 
Received from special inspections, . 

Gross cash income, .... 



$10,192 33 


190 


00 


$10,002 33 


427 


44 


18 


00 



10,447 77 



Expenditures. 

Paid for brokerage and commissions, 

for salaries and fees of officers and employees, 

for inspections, 

for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, 
for incidental expenses, .... 

Gross cash expenditures, .... 



$221 91 

1,209 75 

2,878 15 

83 63 

150 00 
2,679 66 

338 69 

$7,561 79 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1892, $1,208,800 00 
Risks written during 1893, . 1,847,600 00 



Total, $3,056,400 00 

Risks terminated during 1893, . 1,248,800 00 



Cash Prem's. Cont. Pr«n's. 

$7,252 41 $72,524 10 
10,781 41 107,814 10 



$18,033 82 $180,338 20 
7,442 41 74,424 10 



In force at end of year, . $1,807,600 00 $10,591 41 $105,914 10 
Percentage of profits or surplus returned during 1893, 36 t 9 5 5 q per cent. 



Massachusetts Business. 

Risks written, $1,166,600 00 

Premiums received, 6,959 00 



THE NEW JERSEY PLATE- GLASS INSURANCE CO. 



233 



"THE NEW JERSEY PLATE-GLASS INSURANCE COMPANY," 

NEWARK, N. J. 

[Incorporated April 2, 1868. Commenced business Sept. 15, 1868.] 

Paid up Capital, $100,000. 

Samuel C. Hoagland, President. Byron G. Hager, Secretary. 



Summary of Assets Dec. 31, 1893. 



Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Cash in the office of the company, . 
Cash deposited in bank, . . 

Premiums in course of collection (gross) 
Plate glass on hand, .... 
Gross assets, .... 

Liabilities 
Losses adjusted, unpaid, . 
Losses claimed and reported, . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 

Surplus over capital, 

Income 
Premiums outstanding Dec. 31, 1892, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash premiums received, . 
Received from interest on mortgages, 
Income from glass sold, . 

Gross cash income, 



$108,795 00 

1,216 15 

313 72 

13,926 16 

6,147 60 

1,444 99 



$139 65 

33 47 

24,453 89 

127 25 

1,413 46 



$3,821 63 
119 07 

$3,702 56 
35,672 74 

$39,375 30 
6,147 60 

$33,227 70 
456 58 



$131,843 62 



$26,167 72 

$105,675 90 
100,000 00 

$5,675 90 



$32,771 12 

5,126 39 

20 37 

$37,917 88 



* Value of lands mortgaged, $107,960 00 

Value of buildings thereon 140,880 00 

Amount of insurance held as collateral, .... 90,800 00 



234 THE NEW JERSEY PLATE-GLASS INSURANCE CO. 



Expenditures. 

Cash paid for losses, 

Deduct salvage and re-insurance, 

Net cash paid for losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for incidental expenses, . 

Gross cash expenditures, .... 



$16,281 28 
5,167 13 



$11,114 15 
6,000 00 
9,316 86 
4,876 00 
335 28 
3,658 52 

835,300 81 



Risks and Premiums. 



Risks outstanding Dec. 31, 1892, 
Risks written during 1893, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, . 



$885,438 00 
1,132,114 00 

$2,017,552 00 
575,674 00 



Premiums. 

$34,823 08 
35,672 74 

$70,495 82 
18,890 97 



$1,441,878 00 $51,604 85 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the year, . . . . 
Company's stock owned by directors, 



$385,913 00 

134,690 00 

11,287 00 

81,010 00 



Massachusetts Business. 

Risks written during the year, $129,583 00 

Premiums received, 3,150 00 

Losses incurred, 575 00 

Losses paid, . . 686 00 



THE NEW YORK PLATE-GLASS INSURANCE CO. 



235 



"THE NEW YORK PLATE-GLASS INSURANCE COMPANY," NEW 

YORK, N. Y. 

[Incorporated March 19, 1891. Commenced business March 19, 1891.] 
Paid-up Capital, $100,000. 



Max Danziger, President. 



Major A. White, Secretary. 



Detailed Statement of Stocks and Bonds. 



United States bonds, 

New York, Ontario & Western Railroad b'ds, 
Chicago, Rock Island & 'Pacific Railroad b'ds, 
Seattle, Lake Shore & Eastern Railroad b'ds, . 
Northern Pacific Terminal bonds, . 
Chicago, Burlington & Quincy Railroad b'ds, . 
Laclede Gas Light bonds, .... 



Par Value. 

$100,000 00 
5,000 00 

10,000 00 
5,000 00 

10,000 00 
5,000 00 

10,000 00 



Market Value. 

$113,000 00 
5,350 00 
10,000 00 
2,625 00 
9,800 00 
6,150 00 
8,100 00 



$145,000 00 $155,025 00 



Summary of Assets Dec 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, ... 
Premiums in course of collection (gross), 
Premiums more than 3 months due, $580 13 
Gross assets, 



31, 1893. 

$155,025 00 

6,083 50 

10,230 68 

1,000 00 

33,329 57 



$205,668 75 



Liabilities. 

Losses adjusted, unpaid, $ 1,053 31 

Unearned premiums on outstanding risks, . 89,327 19 
Due and accrued for rent, salaries, etc., . . 47 05 
Commissions and brokerage and return pre- 
miums 9,979 45 

Gross liabilities, except capital, . . 103,107 00 

Surplus as regards policy-holders, $102,261 75 

Paid-up capital, 100,000 00 

Surplus over capital, . . ..... . . . $2,261 75 



236 



THE NEW YORK PLATE-GLASS INSURANCE CO. 



Income. 

Premiums outstanding Dec. 31, 1802, . . $29,115 04 
Same not collected, 192 03 



Net collected, $28,923 01 

Premiums on risks written or renewed, . . 212,822 47 



Total, $241,745 48 

Premiums now in course of collection, . . 33,909 70 



Entire premiums collected, .... $ 207,835 78 
Less re-insurance and return premiums, . . 37,218 86 

Net cash premiums received, . 
Interest and dividends received from all sources, . 



$170,616 92 
8,754 19 



Gross cash income, $179,371 11 



Expenditures. 

Net cash paid for losses, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 



$68,851 84 

53,599 40 

29,235 78 

4,924 11 

9,443 11 



Gross cash expenditures, $166,054 24 



Risks outstanding Dec. 31, 1892, 
Risks written during 1893, 



Risks and Premiums. 

Premiums. 

. $6,212,217 00 $150,856 67 
. 8,360,709 00 212,822 47 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$14,572,926 00 $363,679 14 
7,636,071 00 184,409 05 



. $6,936,855 00 $179,270 09 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the year, .... 
Company's stock owned by directors, 



$381,398 00 

111,049 00 

69,965 00 

35,600 00 



Massachusetts Business. 

Plate-glass risks written during the year, 

Premiums received, 

Losses paid, 

Losses incurred, ...... i 



$526,788 00 

10,778 00 

4,526 00 

4,424 00 



THE STANDARD LIFE AND ACCIDENT INSURANCE CO. 237 



" THE STANDARD LIFE AND ACCIDENT INSURANCE COM- 
PANY,'' DETROIT, MICH. 

[Incorporated May 29, 1884. Commenced business Aug. 1, 1884.] 

Paid-up Capital, $200,000. 

D. M. Ferry, President. Stewart Marks, Secretary. 



Detailed Statement op Stocks and Bonds. 



Detroit city bonds, 

Muskegon city bonds, 

Bagley estate bonds, 

Santa Fe, Prescott & Phcenix Railroad bonds, 
Chapin Mine Company bonds, . 
Orange, N. J., city bonds, . 



Par Value. 

$15,000 00 
10,000 00 
75,000 00 
20,000 00 
5,000 00 
10,000 00 



Market Value. 

$15,000 00 
10,000 00 
75,000 00 
17,000 00 
5,000 00 
10,000 00 



$135,000 00 $132,000 00 






Summary of Assets Dec. 31, 1893. 

Loans on mortgage of real estate (first liens), $332,794 85 

Interest due or accrued thereon, . . . 12,101 13 

Stocks and bonds, as per schedule, . . . 132,000 00 

Cash in the office of the company, . . . 13,387 70 

Cash deposited in bank, 46,002 63 

Premiums in course of collection (gross), . 227,457 76 
Bills receivable, .... $448 70 
Reserve on business re-insured in 

foreign companies, . . . 7,490 42 

Gross assets, $763,744 07 



Liabilities. 
Losses claimed and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



$10,950 00 

52,927 55 

389,593 87 

59,139 02 



512,610 44 

$251,133 63 

200,000 00 



Surplus over capital, $51,133 63 



238 THE STANDARD LIFE AND ACCIDENT INSURANCE CO. 



Income. 

Premiums outstanding Dec. 31, 1892, . . $153,739 98 
Same not collected, 57,016 94 



Net collected, $96,723 04 

Premiums on risks written or renewed, . . 1,148,603 10 

Total $1,245,326 14 

Premiums now in course of collection, . . 227,457 76 

Entire premiums collected, .... $1,017,868 38 
Less re-insurance and return premiums, . . 135,394 36 

Net cash premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 



$882,474 02 

17,314 95 

3,025 03 



Gross cash income, $902,814 00 



Expenditures. 



Net cash paid for losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$436,075 48 

12,000 00 

230,953 40 

115,626 46 

24,309 07 

71,343 51 

?890,307 92 



Risks and Premiums. 

Preminnn. 

Risks outstanding Dec. 31, 1892, . . . $87,475,696 00 $700,473 37 
Risks written during 1893, .... 132,960,646 00 1,148,603 10 



Total 

Deduct risks expired and terminated, 

In force at end of year, 



$220,436,342 00 $1,849,076 47 
. 118,868,126 00 1,069,888 73 



$101,568,216 00 £779,187 74 



Massachusetts Business. 



Risks written, . 
Premiums received, 
Losses paid, 
Losses incurred, 



. $4,839,300 00 

26,102 00 

3,633 00 

3,633 00 



THE TRAVELERS INSURANCE CO. 



239 



" THE TRAVELERS INSURANCE COMPANY," HARTFORD, CONN. 

[accident department.] 

[Incorporated June 17, 1863. Commenced business April 1, 1864.] 

Paid-up Capital, $1,000,000. 

James G. Batterson, President Rodney Dennis, Secretary. 



Income. 



Total premium income, 

Cash received for interest, 

for rents of company's property, 
from all other sources, 



Total income, .... 
Net or ledger assets Dec. 31, 1892, . 



Total, 



Disbursements 



Cash paid for losses and additions, . 
for commissions to agents, 
for salaries and travelling expenses 
for medical examiners' fees, . 
for salaries of officers and office em 
for taxes and fees, . 

for rent, 

for furniture and office fixtures, 
for advertising, 
for incidentals, 



Total disbursements, 
Balance, 



of agents, 
ployees, 



Assets as per Ledger Accounts 

Cost value of real estate, 

Cost value of stocks and bonds owned (schedule B), 
Cash in company's office, . 
Cash deposited in bank, . 
Agents' ledger balances, . 
Suspense account, .... 



Ledger assets (as per balance), 
Deduct depreciation from cost of assets, 

Total net or ledger assets, 



$2,411,602 63 

121,255 05 

189 80 

7 50 

$2,533,054 98 
3,045,489 81 

$5,578,544 79 



$1,141,963 03 

644,457 63 

70,295 51 

6,023 75 

102,679 61 

42,109 78 

31,788 77 

2,592 17 

23,509 63 

139,879 57 

$2,205,299 45 

$3,373,245 34 



$11,876 03 

2,470,212 59 

779 47 

232,062 45 

7,736 81 

650,577 99 

$3,373,245 34 
187,623 88 

$3,185,621 46 



240 



THE TRAVELERS INSURANCE CO. 



Other Assets. 
Market value of real estate over cost, 

Total assets per company's books, . 



$541 54 



. $3,186,163 00 



Agents' balances, 
Suspense account, 
Total, . 



Items not admitted. 



Total admitted assets, 



$7,736 81 
650,577 99 



658,314 80 
. $2,527,848 20 



Liabilities. 

Premium reserve on account of accident risks, 
Special reserve for contingent liabilities, 
Losses in process of adjustment, 
Claims resisted b}' the company, 

Total policy claims, .... 
Due for salaries, rent and office expenses, 

Liabilities as to policy-holders, 
Surplus as regards policy-holders, 
Paid-up capital, 
Surplus over capital, 



Gross liabilities, 



. $1,013,512 63 
110,000 00 



$83,400 00 
99,950 00 



$1, 



210,985 57 



183,350 00 

10,000 00 

$1,316,862 63 

1,000,000 00 

210,985 57 

$2,527,848 20 



Exhibit of Policies. 

Number. Amount. Total Xo. Total Amount. 

Accident policies in force 

Dec. 31, 1892, . . 68,707 $260,691,112 00 

Accident policies written 

during 1893, . . . 93,396 299,632,962 00 

162,103 $560,324,074 00 



Policies terminated during the Year. 

By death, .... 228 $468,555 00 

By expiry, .... 96,137 309,590,807 00 

96,365 310,059,362 00 



Policies in force Dec. 31, 1893, . 



. 65,738 $250,264,712 00 



Massachusetts Business. 

Risks written during the year, . . . . . 

Premiums received, 

Losses paid, 

Losses incurred, ....... 



$25,505,150 00 
225,551 00 
130,691 00 
139,642 00 



THE TRAVELERS INSURANCE CO. 



241 



Schedule A. 

Stocks and Bonds owned by the Company. 



Arizona Territorial warrants, . 

Tennessee State bonds, settlement, 

Johnson County, 111., bonds, 

Wayne County, 111., bonds, 

White County, Hi., bonds, 

Hamblen County, Tenn., bonds, 

Llano County, Tex., bonds, 

Montrose County, Col., bonds, . 

Mesa County, Col., bonds, 

Rio Arriba County, N. M., bonds, 

Union County, Ore., warrants, . 

Fierce County, Wash., warrants, 

School Dist. No 84, Cass County, Dak., b'ds, 

School Dist. No. 7, Cass County, Dak., bonds, 

School Dist. No. 1, Montrose County, Col., b'ds, 

Pitkin, Col., town bonds, . 

Reidsville, N. C, town bonds, . 

Howard Township, Kan., bonds, 

Paw Paw Township, Kan., bonds, 

Parsons, Kan., city bonds, 

Lima, Ohio, city bonds, 

Richmond, Va., city bonds, 

Salisbury, N. C, city bonds, 

Bastrop, Tex., city bonds, 

Dalton, Ga., city bonds, 

Chic, Burlington & Quincy Railroad bonds, 

Columbus & Western Railroad Company b'ds 

Montana Central Railroad Company bonds, 

Chicago & Northwestern Railroad Co. bonds 

N. Y., N. H. & H. R.R. Co., con. deb. cer., 

1,200 shares Chic, Bur. & Quin. R.R. Co., 
400 " 111. Central R.R. Co. stock, 

4,183 " Penn R.R. Co. stock, . 
200 " Union Pacific R.R. Co , 

1,300 " Chic, Mil. & St. P. R R., 
700 " Chic, Mil. & St. P. R.R., 
200 " Chic & N -W. R R., . 
236 " Chic. & Alton R.R., 
100 " 111. Central R.R. . 
500 " Cent. R.K. Co. of N. J., 
268 " Far. and Mech. Nat. Bk., Hartford 
700 " Am. Nat. Bk., Hartford, Ct.,. 
437 " City Nat. Bk., Hartford, Ct., 
817 " Phoenix Nat. Bk., Hartford, Ct., 
348 " iEtna Nat. Bk., Hartford, Ct., 



Cost Value. 

$19,513 64 

23,700 00 

13,385 61 

16,625 82 

8,060 44 

25,000 00 

63,125 00 

5,200 00 

7,000 00 

1,896 00 

9,762 06 

24,480 22 

579 98 

23,000 00 

4,500 00 

500 00 

25,000 00 

20,441 43 

6,813 50 

20,000 00 

15,980 00 

30,937 50 

40,086 00 

15,525 00 

17,675 00 

24,000 00 

53,000 00 

56,750 00 

52,500 00 

45,772 50 

133,087 25 

50,689 58 

277,955 17 

23,462 50 

149,768 75 

66,116 00 

23,268 75 

25,276 25 

8,644 00 

53,437 50 

37,506 87 

44,054 00 

48,439 75 

117,085 00 

44,261 62 



Market Value. 

$19,463 10 

17,538 00 

14,000 00 

17,000 00 

8,500 00 

25,000 00 

63,125 00 

5,200 00 

7,000 00 

2,200 00 

9,762 06 

24,184 82 

579 98 

23,000 00 

4,500 00 

500 00 

25,000 00 

24,000 00 

8,000 00 

20,000 00 

16,000 00 

27,300 00 

40,106 25 

15,525 00 

17,675 00 

28,640 00 

50,000 CO 

56,500 00 

53,750 00 

39,000 00 

90,600 CO 

36,000 00 

231,024 00 

3,600 00 

150,800 00 

39,812 50 

26,800 00 

30,680 00 

9,000 00 

55,750 00 

29,480 00 

39,900 00 

43,700 00 

97,223 00 

41,760 00 



242 



UNION CASUALTY AND SURETY CO. 



200 shares Mer. Nat. Bk., Hartford, Ct, 

140 " New Britain Nat. Bk., . 

293 " Home Nat. Bk., Meriden, Ct , 

100 " Nat. Bank of Commerce, 

700 " Nat. Shoe and Leather Bk., N. Y 

100 " St. Paul Nat. Bank, 

173 " First Nat. Bk., Morris, Minn., 

500 " Hartford Trust Co., 

2,000 " Western Union Tel. Co., 

1,200 " Northwestern Tel. Co., 

2,142 " Colorado Valley (Col.) Land Co., 



Cost Value. 

$20,182 00 
17,540 00 
35,985 25 
13,975 00 
89,925 00 
10,000 00 
20,387 50 
49,878 15 

163,102 00 
61,175 00 

214,200 00 



Market Value. 

$14,000 00 
21,000 00 
35,160 00 
13,000 00 
77,000 00 
11,800 00 
17,300 00 
64,000 00 

164,750 00 
61,200 00 

214,200 00 



$2,470,212 59 $2,282,588 71 



" UNION CASUALTY AND SURETY COMPANY,' 1 ST. LOUIS, MO. 

[Incorporated Dec. 29, 1892. Commenced business April 18, 1893.] 
Paid up Capital, $250,000. 



C. P. Ellerbe, President. 



John B. \Yoestman, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

St. Louis city bonds £250,000 00 $250,000 00 

:St. Louis Agricultural and Mechanical bonds,. 15,000 00 15,150 00 



£265,000 00 $265,150 00 



Securities held as collateral for cash loans : — 

100 shares St. Louis Trust Company stock, 
220 " Mississippi Valley Trust Co. stock, 
150 " German American Bank stock, 



Market Valne. 

$12,500 00 
31,125 00 
90,000 00 



Loaned Thereon. 

$10,000 00 
25,000 00 
40,000 00 



$133,625 00 $75,000 00 



Summary of Assets Dec. 31, 1893. 



Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 



$ 16,500 00 

142 66 

265,150 00 

75,000 00 

18,318 35 

48,321 60 

448 66 

135,637 36 



£559,518 63 



* Value of lands mortgaged, $43,000 00 

Value of buildings thereon, 10,000 00 

Insurance held as collateral, 7,500 00 



UNION CASUALTY AND SURETY CO. 



243 



Liabilities. 

Losses claimed and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 

Gross liabilities, excejDt capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



Surplus over capital, . 



$12,615 46 
5,250 00 

149,381 43 

1,876 42 

38,290 60 



$207,413 91 

$352,104 72 
250,000 00 

$102,104 72 



Income. 

Premiums on risks written, .... f 324,423 30 
Premiums now in course of collection, . . 135,637 36 

Entire premiums collected, .... $188,785 94 
Less re-insurance and return premiums, . . 25,660 44 

Net cash premiums received,* . . . $163,125 50 

Interest received on mortgages, 1,795 00 

Interest and dividends received from all other sources, . . 7,630 94 

Gross cash income, $172,551 44 

Expenditures. 

Net cash paid for losses, . $8,348 67 

Cash paid for commissions and brokerage, .... 56,917 12 

for salaries of officers and employees, . . » 13,100 96 

for State and local taxes, 2,880 92 

for incidentals, 24,663 82 

Gross cash expenditures, $105,911 49 



Risks and Premiums. 

Premiums. 

Risks written during 1893, .... $52,503,590 78 $324,423 30 
Deduct risks expired and terminated, . . 6,210,599 23 25,660 44 



In force at end of year, . 



$46,292,991 55 $298,762 86 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the year, .... 
Company's stock owned by directors, 



$324,423 00 

8,348 00 

26,214 00 

99,000 00 



244 



UNITED STATES GUARANTEE CO. 



Massachusetts Business. 



Accident risks written during the year, . 
Premiums received, 



$8,019,160 00 
37,762 00 



"UNITED STATES GUARANTEE COMPANY," NEW YORK. 

[Incorporated Jan. 18, 1890. Commenced business Jan. 30, 1890.] 
Paid-up Capital, $250,000. 
Edward Rawlings, President. D. J. Tompkins, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

$100,000 00 
93,000 00 
32,000 00 
10,000 00 



New York city bonds, 

United States bonds, 

Western Union Telegraph Co. stock, 

New York, Lackawanna & Western R.R. stock, 



Market Value. 

$95,000 00 

103,370 00 

26,880 00 

11,400 00 



$235,000 00 $236,650 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Cash due from agents, .... 
Gross assets, 



31, 1893. 

$2,060 00 

63,500 00 

349 33 

236,650 00 

361 87 

22,315 56 

2,648 29 

11,489 50 

303 85 



£339,678 40 



Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Due for re-insurance, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



Surplus over capital, 



$16,481 89 

42,584 12 

2,S06 69 

1,236 97 



$62,609 67 

$277,068 73 
250,000 00 

627,06*8 73 



* Value of lands mortgaged, . . . 

Value of buildings thereon, . . 
Amount of insurance held as collateral, . 



$70,500 00 
80,500 00 
55,300 00 



UNITED STATES GUARANTEE CO. 



245 



Income. 

Premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash premiums received, . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 



$3,414 58 
108,415 48 

$111,830 06 
11,489 50 



$100,340 56 
21,612 75 



,727 81 
2,520 00 
9,172 do 



Gross cash income, $90,420 36 



Expenditures. 

Cash paid for losses, $37,871 55 

Deduct salvage and re-insurance, . . . 8,150 91 

Net cash paid for losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 

Risks and Premiums. 
Risks outstanding Dec. 31, 1892, . . . $17,876,839 00 



Risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



22,144,200 00 



.$40,021,039 00 
. 21,905,157 00 



. $18,115,882 00 
. 1,898,625 00 



$29,720 64 
15,000 00 

8,728 06 
14,620 68 

1,718 50 
13,696 48 

$83,484 36 

Premiums. 

$87,323 14 
108,415 48 

$195,738 62 
104,355 97 

$91,382 65 
9,214 41 



. $16,217,257 00 $82,168 24 



Miscellaneous. 

Premiums received from organization of company, . . $298,322 00 

Losses paid from organization of company, .... 102,248 00 

Losses incurred during the year, 37,813 00 

Company's stock owned by directors, 49,400 00 

Massachusetts Business. 

Risks written during the year, $753,100 00 

Premiums received, 3,491 00 

Losses paid, 131 

Losses incurred, , , 131 



ASSESSMENT LIFE AND CASUALTY 

COMPANIES. 



Abstracts of Statements Dec. 31, 1893. 



SUMMARY OF STATEMENTS RECEIVED. 



ATLAS ACCIDENT INSURANCE COMPANY, BOSTON. 

[Incorporated Aug. 21, 1890. Commenced business Oct. 30, 1890.] 

Henry E. Turner, President. Thomas M. Everett, Secretary. 

Office, 186 Devonshire Street. 

Income during- 1893. 

For membership fees, $17,398 00 

assessments, mortuary, $15,464 34; expense, $15,464.33, 30,928 67 

interest, 400 00 

assessments paid in advance, 1,849 37 

Borrowed money, 6,149 22 



Total income, $56,725 26 

Balance on hand Dec. 31, 1892, 19,244 77 



Total, $75,970 03 



Disbursements during 1893. 



For losses and claims, 

advance payments applied, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiners' fees, . 
rent, taxes, advertising and printing 
incidental expenses, . 

Advanced to agents, .... 
Total disbursements, 



$13,636 86 

1,524 20 

22,971 03 

6,128 39 

2,935 20 

4,987 34 

3,714 28 

454 18 



56,351 48 



Balance, $19,618 55 

Net or Invested Assets. 

Cost value of bonds and stocks owned, $5,100 00 

Cash in office, 876 59 

Cash in bank, 13,641 96 

Office furniture, $638 09 



Total net or invested assets, ..,,.. $19,618 55 



250 



ATLAS ACCIDENT INSURANCE CO. 



Liabilities. 



Borrowed money, 
Advance assessments, 

Total actual liabilities, 

Balance, net assets, 



$6,149 97 
1,849 37 



$7,999 34 
$11,619 21 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments called and not yet due, $3,346 09 

Mortuary assessments not yet called for losses 

unadjusted, $2,225.34 ; resisted, $237.50, and 

reported, $1,024.50, 



Total due from members, 
Deduct estimated cost of collection, 

Net amount due from members, 



3,487 34 

$6,833 43 
683 34 



$6,150 09 



Contingent Mortuary Liabilities. 
Losses in process of adjustment (number of 

claims, 23), $2,225 34 

Losses reported, not in process (number of 

claims, 14), 

Losses resisted (number of claims, 2), . 

Total contingent mortuary liabilities, 

Total Business of )3. 

Policies in force at beginning of year, 
Policies written during 1893, . 

Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, 

Losses and claims incurred during 1893, . 
Losses and claims paid during 1893, 



1,024 50 
237 50 






$3,487 34 




893. 

Number. Amount. 

. 4,016 $17,815,170 00 
. 3,562 13,821,590 00 


. 7,578 \ 
. 4,528 


^31,636,760 00 
18,554,010 00 


. 3,050 $13,082,750 00 


321 
321 


$13,636 00 
13,636 00 



Business in Massachusetts during 1893. 

Number. Amount. 

Policies in force at beginning of year, . . . 1,296 $5,590,250 00 

Policies written during 1893, . ' . . . . 1,607 6,612,030 00 



Total, 
Policies ceased during 1893, 

Policies in force Dec. 31, 1893, 



Losses and claims incurred during 1893, 
Losses and claims paid during 1893, 



2,903 $12,202,280 00 
1,064 4,051,780 00 



1,839 $8,150,500 00 



149 
149 



$5,978 00 
5,978 00 



THE BANKERS LIFE ASSOCIATION OF MINNESOTA. 



251 



"THE BANKERS LIFE ASSOCIATION OF MINNESOTA," ST. PAUL, 

MINN. 

[Incorporated Aug. 6, 1880. Commenced business Aug. 6, 1880.] 

Cortlandt M. Taylor, President. Douglas Putnam, Secretary. 



Income during 1893. 
For membership and medical fees, . 

annual dues, 

assessments, mortuary, .... 

interest, 

From guaranty trust fund notes, 



$51,511 50 
73,781 95 

204,652 62 
11,286 94 
87,110 30 



Total income, $428,343 31 

Balance on hand Dec. 31, 1892, 300,183 21 



Total, $728,526 52 



Disbursements during 1893. 



For losses and claims, 

guaranty deposits returned, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiners' fees, . 
incidental expenses, . 
Total disbursements, 



$ 196,000 00 

1,284 00 

60,198 65 

22,208 30 

9,199 00 

11,338 73 



300,228 68 



Balance, $428,297 84 



Net or invested Assets. 
Loans secured by pledge of bonds, stocks, etc., 
Cost value of bonds and stocks owned, . 

Cash in office, 

Cash in bank, 



Total net or invested assets, . 
Less depreciation, .... 



Total net or invested assets, . 

Non-invested Assets. 

Interest accrued, 

Guaranty trust fund notes, .... 
Total non-invested assets, 



$823 88 
157,770 25 



$21,000 00 

328,574 34 

924 89 

77,798 61 

$428,297 84 

18,949 34 

$409,348 50 



158,594 13 



Gross assets, . - . . , , $567,942 63 



252 



THE BANKERS LIFE ASSOCIATION OF MINNESOTA. 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments called and not yet due, $50,684 16 
Mortuary assessments not yet called for 

losses unadjusted and resisted, . . . 24,000 00 

Mortuary assessments reported, . . . 10,000 00 

Total due from members, . . . $84,684 16 

Deduct estimated cost of collection, . . 846 84 

Net amount due from members, . . 



$83,837 32 



Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of 

claims, 6), $12,000 00 

Losses in process of adjustment (number of 

claims, 4), 8,000 00 

Losses reported, not in process (number of 

claims, 5), 10,000 00 

Losses resisted (number of claims, 2), . . 4,000 00 

Total contingent mortuary liabilities, . £34,000 00 



Total Business of 1893. 



Policies in force at beginning of year, 
Policies written during 1893, . 



Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, . 

Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 



Total, 

Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

12,702 $25,404,000 00 
2,883 5,766,000 00 

15,585 $31,170,000 00 
3,746 7,492,000 00 

11,839 $23,678,000 00 

1 $2,000 00 
114 228,000 00 



115 $230,000 00 
98 196,000 00 



17 $34,000 00 



Business in Massachusetts durlng 1893. 

Number. 

93 
1 



Policies in force at beginning of year, 
Policies written during 1893, . 



Total, . 
Policies ceased during 1893, 

Policies in force Dec. 31, 1893, . 



94 
9 



Amount. 

$186,000 00 
2,000 00 

$188,000 00 
18,000 00 



83 $170,000 00 



BAY STATE BENEFICIARY ASSOCIATION. 



253 



BAY STATE BENEFICIARY ASSOCIATION, WESTFIELD, MASS. 

[Incorporated June 2, 1881. Commenced business June 2, 1881.] 

John R. Reed, President. R. W. Parks, Secretary. 

Income during 1893. 
For membership fees, 



annual dues, 

assessments, mortuary, $531,987.77 ; expense, $10,296.22, . 

medical examiners' fees paid by applicant, 

interest, .......... 

Total income, 

Balance on hand Dec. 31, 1892, 



$18,393 00 
72,078 77 

542,283 99 
4,048 00 
5,897 65 



$642,701 41 
201,401 70 



Total, $844,103 11 



Disbursements during 1893. 



For losses and claims, 

salaries and commissions to agents, 
salaries of officers and employees, 
medical examiners' fees, . 
incidental expenses, . 
Total disbursements, 

Balance, 



$507,287 85 
57,250 93 
19,180 68 
10,148 38 
18,236 00 



612,103 84 
$231,999 27 



Net or Invested Assets. 

Loans on mortgages, 

Cost value of bonds and stocks owned, . 

Cash in office, 

Cash in bank, 



Total net or invested assets, . 



$900 00 

162,719 17 

4,803 98 

63,576 12 

$231,999 27 



Contingent Mortuary Assets (or Resources). 
Mortuary assessments called and not yet due, $87,000 00 
Mortuary assessments not yet called for losses 

unadjusted, 98,000 00 

Mortuary assessments resisted, . . . 7,000 00 

Net amount due from members, . . $192,000 00 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due, .... $87,000 00 

in process of adjustment, . . . 98,000 00 

resisted, 7,000 00 

Total contingent mortuary liabilities, . 



$192,000 00 



256: 



BERKSHIRE HEALTH AND ACCIDENT ASSOCIATION. 



Total Business of 1893. 



Policies in force at beginning of year, 
Policies written during 1893, . 



Total 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, . 

Losses and claims unpaid Dec. 31, 1892, . 
Losses and claims incurred during 1893, 



Total, 

Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 31, 1893, . 

Business in Massachusetts 

Policies in force at beginning of year, 
Policies written during 1893, \ 



Number. 

15,193 
3,770 

18,963 
2,576 



Amount. 

$45,854,500 00 
10,831,625 00 



-0,125 00 
8,975,500 00 



16,387 $47,710,625 00 

50 $148,000 00 
188 562,000 00 

238 $710,000 00 
174 518,000 00 

64 $192,000 00 



Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, 

Losses and claims unpaid Dec. 31, 1892, . 
Losses and claims incurred during 1893, 



Total, 

Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 31, . 



during 1893. 

Number. 

7,418 
615 



Amount. 

$21,631,000 00 
2,118,500 00 

$23,749,500 00 
2,848,000 00 

7,170 $20,901,500 00 



8,033 
863 



29 $79,000 00 

105 287,000 00 

134 $366,000 00 

105 277,000 00 

29 ?89,000 00 



BERKSHIRE HEALTH AND ACCIDENT ASSOCIATION, 
^YESTFIELD, MASS. 

[Incorporated Jan. 15, 1885. Commenced business Feb. 7, 1885.] 

Olin C. Towxe, President. Arthur L. Bush, Secretary. 



Income during 1893. 

For membership fees, 

annual dues, 

assessments, mortuary, .... 
medical examiners 1 fees paid by applicant, 

Total income, 

Balance on hand Dec. 31, 1892, 

Total, 



$945 00 

1,270 05 

1,802 38 

193 00 



$4,210 43 
2,142 7S 

$6,353 21 



BERKSHIRE HEALTH AND ACCIDENT ASSOCIATION. 



255 



Disbursements during 1893. 



For losses and claims, . 

salaries and commissions to agents, . 
salaries of officers and employees, . 
medical examiners' fees, . 
rent, advertising and printing, . 
incidental expenses, .... 
Total disbursements, 



Balance, 



$2,254 36 
1,040 62 
800 00 
193 00 
250 00 
124 83 



$4,662 81 
$1,690 40 



Net or Invested Assets. 
Cost value of bonds and stocks owned, . 

Cash in office, 

Cash in bank, 



Total net or invested assets, . 



.,025 46 
147 52 
517 42 



$1,690 40 



Non-invested Assets. 



Interest accrued, 

Gross assets, 



Total Business of 1893 



Policies in force at beginning of year, 
Policies written during 1893, . 



Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, . 

Losses and claims incurred during 1893, 

Losses and claims paid during 1893, 



281 25 



,971 65 



Number. 


Amount. 


444 


- 


193 


- 


637 


_ 


248 


- 


389 


_ 


44 


$2,254 00 


44 


2,254 00 



Business in Massachusetts during 1893. 



Policies in force at beginning of year, . 
Policies written during 1893, . 



Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, . 

Losses and claims incurred during 1893, . 
Losses and claims paid during 1893, 



Number. 


Amount. 


256 


- 


108 


- 


364 


_ 


91 


- 


273 


- 


26 


$1,278 00 


26 


1,278 00 



256 



BOSTON MUTUAL LIFE ASSOCIATION. 



BOSTON MUTUAL LIFE ASSOCIATION, BOSTON, MASS. 

[Incorporated Aug. 18, 1891. Commenced business Feb. 15, 1892.] 

John W. Wheeler, President. Walter M. Lyman, Secretary. 

Office, 1 78 Devonshire Street. 



Income during 1893. 



For membership fees, 
annual dues, 
assessments, mortuary, 
interest, 
from all other sources, 



Total income, . 
Balance on hand Dec. 31, 1892, 



Total, 



$5,614 12 

6,037 00 

19,180 26 

454 81 

85 25 

§31,371 44 

7,442 29 

$38,813 73 



Disbursements during 1893. 



For losses and claims, 

salaries aud commissions to agents, 
salaries of officers and employees, 
medical examiners 1 fees, . 
incidental expenses, . 
Total disbursements, 



Balance, 



f 15,000 00 

4,292 28 

3,115 69 

587 25 

3,497 52 



Net or Invested Assets. 

Cost value of bonds and stocks owned, . 

Cash in office, 

Cash in bank, 



Total net or invested assets, 

Contingent Mortuary Assets (or Resources). 

Mortuary assessments called and not yet due, $4,800 00 
Mortuary assessments not yet called for losses 

unadjusted, 5,000 00 

Net amount due from members, . . 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 2), $4,000 00 

Losses in process of adjustment (number of 

claims, 1), 5,000 00 

Total contingent mortuary liabilities, . 



26,492 74 
$12,320 99 



$7,179 24 

479 06 

4,662 69 

$12,320 99 



$9,800 00 



$9,000 00 



COVENANT MUTUAL BENEFIT ASSOCIATION OF ILLINOIS. 257 



Total Business of 1893 (all in Massachusetts). 

Number. Amount. 

Policies in force at beginning of year, . . . 715 $2,771,000 00 

Policies written during 1893, ..... 349 906,500 00 



Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, . 

Losses and claims incurred during 1893, 
Losses and claims paid during 1893, 



1,064 $3,677,500 00 
99 599,000 00 



965 $3,078,500 00 

6 $24,000 00 
6 24,000 00 



COVENANT MUTUAL BENEFIT ASSOCIATION OF ILLINOIS, 

GALESBURG, ILL. 

[Incorporated Jan. 9, 1877. Commenced business Jan. 9, 1877.] 

A. W. Berggren, President. W. H. Smollinger, Secretary. 

Income during 1893. 

For membership fees, $156,278 68 

assessments, mortuary, $1,123,985.02; expense, $192,- 

963.58, 1,316,948 60 

interest, 18,973 85 

advance deposits, 38,320 59 



Total income, $1,530,52172 

Balance on hand Dec. 31, 1892, 652,374 88 



Total $2,182,896 60 

Disbursements during 1893. 



For losses and claims, 

advance payments returned, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiners 1 fees, 
advance deposits applied, 
legal expenses, . 
surrendered certificates, 
incidental expenses, . 
accrued interest on bonds, 
Total disbursements, 



$1,047,310 21 

17,836 00 

247,804 98 

47,772 16 

40,307 90 

37,965 95 

1,794 69 

3,003 35 

55,024 87 

165 00 



1,498,985 11 



Balance, . 



$683,911 49 



258 COVENANT MUTUAL BENEFIT ASSOCIATION OF ILLINOIS. 



Net or invested Assets. 

Cost value of bonds and stocks owned, $567,019 43 

Cash in bank, 116,892 06 



Total net or invested assets, $683,911 49 

Less depreciation, 34,603 87 



Total net or invested assets, $649,307 62 



Non-invested Assets. 

Interest due and accrued, |5,011 26 

Furniture, fixtures, stamps, etc., . . . $17,146 86 



Gross assets, $654,318 88 

Liabilities. 
Advance assessments, 14,423 52 



Balance, net assets, $639,895 36 

Contingent Mortuary Assets (or Resources). 

Mortuary assessments called and not yet due, $248,313 21 

Mortuary assessments not yet called for losses 
unadjusted, $310,160.00; resisted, $2,500.00, 
and reported, 863,125 00, .... 375,78500 

Total due from members, . . . $624,098 21 

Contingent Mortuary Liabilities. 

ILosses adjusted, not yet due (14), . . . $32,910 00 

Losses in process of adjustment (111), . . 277,250 00 
Losses reported, not in process (33), . . 63,125 00 

Losses resisted (1), 2,500 00 

Total contingent mortuary liabilities, . $375,785 00 



Total Business of 1893. 

Number. Amount. 

Policies in force at beginning of year, . . . 42,317 $98,632,375 00 

Policies written during 1893, 16,517 33,338,375 00 



Total, 58,834 $131,970,750 00 

Policies ceased during 1893, 13,820 30,265,500 00 



Policies in force Dec. 31, 1893,. . . 45,014 $101,705,250 00 



EQUITABLE ACCIDENT INSURANCE ASSOCIATION. 



259 



Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 



Total, 

Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 31, . 



Number. 


Amount. 


132 


$329,271 00 


460 


1,112,625 00 



592 
433 



Business in Massachusetts during 1893 



Policies in force at beginning of year, 
Policies written during 1893, . 

Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, . 

Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 

Total, 

Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 31, . 



1,650 

572 



2 

15 



17 
14 



$1,441,896 00 
1,066,111 00 



159 


$375,785 00 


G 1893. 




Number. 


Amount. 


908 


$1,793,250 00 


742 


1,419,000 00 



$3,212,250 00 
950,250 00 



1,078 $2,262,000 00 



$5,500 00 
40,000 00 



$45,500 00 
40,750 00 



$4,750 00 



EQUITABLE ACCIDENT INSURANCE ASSOCIATION, BOSTON, 

MASS. 

[Incorporated May 23, 1893. Commenced business Aug. 4, 1893.] 

Wm. H. Stratton, President. A. T. Harlow, Secretary. 

Office, 1 78 Devonshire Street. 



Income during 1893. 

For membership fees, 

assessments, mortuary, .... 
borrowed money, 



Total income, 



$845 00 
5,247 00 
2,407 67 



1,499 67 



Disbursements during 1893. 



For losses and claims, 

salaries and commissions to agents, 
rent, advertising and printing, . 
incidental expenses, . 
Total disbursements, , 

Balance, ..... 



$78 75 




1,709 40 




780 43 




717 80 







3,286 38 




$5,213 29 



260 FATHER MATTHEW FRATERNAL ACCIDENT ASS'N OF AMERICA. 



Net or Invested Assets. 

Cost value of bonds and stocks owned, 

Cash in office, 

Cash in bank, 

Office furniture, $50 00 

Total net or invested assets, 

Liabilities. 



$3,916 


26 


556 


28 


74' 



$5,213 29 



Borrowed money, 

Printing, 

Total actual liabilities, .... 

Balance, net assets, .... 

Total Business of 1893 

Policies written during 1893, . 
Policies ceased during 1893, 

Policies in force Dec. 31, 1893, 



$2,407 67 
44 90 



Number. 

1,725 
54 



2,452 57 
?2,760 72 



Amount. 

$6,625,000 00 
270,000 00 



1,671 $6,355,000 00 



Losses and claims incurred during 1893, . . 4 

Losses and claims paid during 1893, ... 4 

Business in Massachusetts during 1893. 



Policies written during 1893, . 
Policies ceased during 1893, 

Policies in force Dec. 31, 1893,. 

Losses and claims incurred during 1893, 
Losses and claims paid during 1893, 



Number. 

1,276 
52 



?79 00 
79 00 



Amount. 

$5,656,000 00 
260,000 00 



1,224 £5,396,000 00 



$79 00 
79 00 



FATHER MATTHEW FRATERNAL ACCIDENT ASSOCIATION 
OF AMERICA, PITTSFIELD, MASS. 

[Incorporated Sept. 3, 1891. Commenced business Jan. 1, 1892.] 

John J. Leonard, President. Edward F. Flanagan, Secretary. 

Income during 1893. 

For membership fees, $2,015 00 

annual dues, 1,940 00 

assessments, mortuary, 3,146 90 

Total income, $7,101 90 

Balance on hand Dec 31, 1892, 1,533 38 

Total, ?8,635 28 



FATHER MATTHEW FRATERNAL ACCIDENT ASS'N OF AMERICA. 261 



Disbursements during 1893. 



For losses and claims, . 

advance payments applied, 
salaries and commissions to agents, . 
salaries of officers and employees, . 
medical examiners 1 fees, . 
rent, taxes, advertising and printing, 
incidental expenses, .... 
Total disbursements, 



Balance, 



$2,258 89 


291 


00 


2,264 


12 


1,471 


15 


92 00 


295 55 


386 


93 







$7,059 64 
$1,575 64 



Net or Invested Assets. 
Cost value of bonds and stocks owned, 

Cash in office, 

Cash in bank, 



Total net or invested assets, . 



$1,018 00 
174 90 
385J 74 

$1,575 64 



Non-invested Assets. 



Interest accrued, 
Office furniture, 

Gross assets, 



Liabilities. 



$200 00 



Advance assessments, 

Balance, net assets, 



Contingent Mortuary Assets (or Resources). 
Mortuary assessments called and not yet due, $1,059 00 
Deduct estimated cost of collection, . . . 45 00 
Net amount due from members, . . . 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (2), . . . $580 00 

Losses resisted (2), 117 00 

Total contingent mortuary liabilities, . 



80 00 



$1,655 64 



246 00 



$1,409 64 



$1,014 00 



$697 00 



Total Business of 1893 (all Massachusetts Business). 

Number. Amount. 

Policies in force at beginning of year, 
Policies written during 1893, 

Total, 
Policies ceased during 1893, 

Policies in force Dec. 31, 1893, 

Losses and claims incurred during 1893, 
Losses and claims paid during 1893, 



403 


403,000 00 


. 1,152 
541 


$1,152,000 00 
541,000 00 


611 

66 
66 


$611,000 00 

$2,259 00 
2,259 00 



262 



THE FIDELITY MUTUAL LIFE ASSOCIATION. 



"THE FIDELITY MUTUAL LIFE ASSOCIATION," PHILA- 
DELPHIA, PA. 

[Incorporated Dec. 2, 1878. Commenced business Jan. 1, 1879. 

L. G. Fouse, President. W. S. Campbell, Secretary. 



Income during 1893. 

For membership fees, 

annual dues, 

assessments, mortuary, $523,110.90 ; expense, 
medical examiners' fees paid by applicant, 
interest, $25,524.89 ; rents, $2,877.65, 

From all other sources, 



Total income, . 
Balance on hand Dec. 31, 1892, 



Total, 



$9,107.73 



$136,800 70 

271,267 46 

532,218 63 

3,210 00 

28,402 54 

151 00 

§972,050 39 
627,095 75 

$1,599,146 14 



Disbursements during 1893. 



For losses and claims, 

advance payments returned, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiners 1 fees, . 
rent, taxes, etc., .... 
incidental expenses, . 
Total disbursements, 



$351,656 22 
6,360 47 
227,837 63 
73,306 45 
28,093 70 
45,476 64 
36,768 37 



769,499 48 



Balance, £829,646 66 



Net or Invested Assets. 

Cost of real estate, 

Loans on mortgages, 

Loans secured by pledge of bonds, stocks, etc., 
Loans secured by liens on policies, .... 
Cost value of bonds and stocks owned, . 

Agents 1 ledger balances, 

Cash in office, 

Cash in bank, 

Printing machinery, 



Total net or invested assets, . . . . 

Non-invested Assets. 
Interest due, $975.00 ; accrued, $ 3,686.79, . $4,661 79 
Market value of real estate over cost, . . 39,359 39 
Total non-invested assets, . . . 



f 167,140 61 

229,600 00 

112,542 46 

19,232 80 

20,649 51 

242,196 99 

287 88 

36,229 13 

1,767 88 

$829,646 66 



44,021 18 



Gross assets, $873,667 S 



THE FIDELITY MUTUAL LIFE ASSOCIATION. 



263 



Items not admitted. 



Loans secured by liens on policies, . 
Agents' ledger balances, . 
Printing machinery, . 



$19,232 80 

242,196 99 

1,767 28 



263,197 07 



Balance, . 



. $610,470 77 



Liabilities. 

Salaries, rents and office expenses, . 
Advance assessments, $772 80 ; dividend obli- 
gations, $13,205.50, 

Total actual liabilities, . 

Balance, net assets, . 



$249 12 
13,978 30 



14,227 42 



$596,243 35 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (17), . . . $37,500 00 

Losses in process of adjustment (5), . . 27,000 00 

Losses reported, not in process (21), . . 41,500 00 

Losses resisted (4), 11,000 00 

Total contingent mortuary liabilities, . 



Total Business of 1893. 



$117,000 00 



Policies in force at beginning of year, . 
Policies written during 1893, . 



Total 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, . 

Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 



Total, 



Losses and claims paid during 1893, 
Losses and claims unpaid Dec. 31, . 



Number. Amount. 

17,510 $41,430,950 00 
6,740 16,287,400 00 



24,250 $57,718,350 00 
4,418 11,333,000 00 



19,832 $46,385,350 00 



33 


*$83,258 00 


175 


385,398 00 


208 


$468,656 00 


161 


$351,656 00 


47 


117,000 00 



* $3,743 saved by compromise. 



264 



HARTFORD LIFE AND ANNUITY INSURANCE CO. 



Business in Massachusetts during 1893. 

Number. 

189 



Policies in force at beginning of year, 
Policies written during 1893, . 



Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, 

Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 

Total, 

Losses and claims paid during 1893, 
Losses and claims unpaid Dec 31, . 



1,047 
123 



Amount. 

$2,283,000 00 
649,000 00 

$2,832,000 00 
311,500 00 



924 

3 
5 


$2,520,500 00 

$12,000 00 
9,250 00 


8 

6 
2 


? 2 1,250 00 

$19,250 00 
2,000 00 



"HARTFORD LIFE AND ANNUITY 1NSURA^X , E COMPANY,'' 

HARTFORD, CONN. 

[Incorporated May, 1866. Commenced business of assessment insurance January, 1880.] 

R. B. Parker, President. Stephen Ball, Secretary. 

Income during 1893. 

For membership fees, 

annual dues, 

assessments, mortuary, $1,095,321 54 ; expense, 
advances to agents repaid, 

interest, 

advance payments, 

received lor accumulated safety fund, 



$44,866.92 



Total income, 
Balance on hand Dec. 31, 1892, 



Total, ?2,845,486 02 



?42,814 85 

246,842 60 

1,140,188 46 

7 81 

49,859 65 

8,763 58 

67,451 54 



? 1,555,928 49 
1,289,557 53 



Disbursements during 1893. 



For losses and claims, 

advance payments applied, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical ex.i miners 1 fees, . 
membership dividends applied, 
legal expenses, .... 
dividends to stockholders, . 
incidental expenses, . 
Total disbursements, 



Balance, $1,328,478 37 



$1,147,775 00 
12,165 33 
137,349 33 
62,360 60 
22,416 26 
42,741 81 
1,565 35 
20,000 00 
70,634 97 



1,517,008 65 



HARTFORD LIFE AND ANNUITY INSURANCE CO. 



265 



Net or Invested Assets. 

Loans on mortgages, 

Cost value of bonds and stocks ovvned, 

Cash in office, 

Cash in bank, 

Deposits on account safety fund, 

Total net or invested assets, . 
Less depreciation of stocks and bonds, 

Total net or invested assets, . 



$3,600 00 

89,456 68 

1,923 66 

106,846 69 

1,126,650 34 

$1,328,477 37 

23,489 68 

$1,304,987 69 



Liabilities. 
Accumulated safety fund, .... 

Taxes due and accrued, ..... 

Advance assessments, 

All other {not including contingent mortuary), 
Total actual liabilities, .... 

Balance, net assets, .... 



$1,126,650 34 

10,450 21 
6,718 59 

11,901 47 
1,155,720 61 



$149,267 08 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments due and unpaid, . . $286,695 51 
Mortuary assessments not yet called for losses 

unadjusted, 89,000 00 

Mortuary assessments resisted, . . . 2,000 00 



Total due from members, 
Deduct estimated cost of collection, 

Net amount due from members, 



$377,695 51 
2,139 10 



$375,556 41 



Contingent Mortuary Liabilities. 



Losses adjusted, not yet due (102), . 
Losses in process of adjustment (29), 
Losses reported, not in process (1), . 
Losses resisted (I), .... 
All other contingent liabilities, 

Total contingent mortuary liabilities, 



$276,000 00 

74,000 00 

15,000 00 

2,000 00 

16,206 78 



$383,206 78 



Total Business of 1893 



Policies in force at beginning of year, 
Policies written during 1893, . 



Total, . 
Policies ceased during 1893, 

Policies in force Dec. 31, 1893, 



Number. Amount. 

38,390 $86,255,000 00 
6,173 12,605,000 00 



44,563 $98,860,000 00 
5,238 11,368,000 00 



. 3J),325 $87,492,000 00 



266 



MAINE BENEFIT ASSOCIATION. 



Losses and claims unpaid Dec. 31, 1892, . 
Losses and claims incurred during 1893, . 



Total, 

Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

113 $372,500 00 
426 1,165,000 00 



539 $1,537,500 00 
406 1,170,500 00 



133 $367,000 00 



Business in Massachusetts during 1893. 



Policies in force at beginning of year, 
Policies written during 1893, . 



Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, . 

Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 



Total 

Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 31, . 



Number. 

1,853 
612 


Amount. 

$4,206,500 00 
1,369,000 00 


2,465 
329 


$5,575,500 00 
727,000 00 


2,136 

2 

20 


$4,848,500 00 

$6,000 00 
38,500 00 


22 
16 


$44,500 00 
33,500 00 


6 


$11,000 00 



"MAINE BENEFIT ASSOCIATION/' AUBURN, ME. 

[Incorporated March 5, 1885. Commenced business March 17, 1885.] 

Geo. C. Wing, President. Nathan W. Harris, Secretary. 



Income during 1893. 

For membership fees, 

annual dues, 

assessments, mortuary, $154,024.94; expense, 

interest, $3,381.46 ; rents, $93.75, 
From all other sources, 



Total income, . 
Balance on hand Dec. 31, 1892, 




$8,058 50 

21,104 13 

158,887 90 

3,475 21 

626 59 

§192,152 33 
68,057 52 



Total, 



$260,209 So 



MAINE BENEFIT ASSOCIATION. 



267 



Disbursements during 1893. 



For losses and claims, 

advance payments returned, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiners' fees, . 
incidental expenses, . 

Profit and loss, 

Total disbursements, 



$143,950 00 

77 50 

18,336 42 

7,701 52 

1,589 84 

6,643 26 

523 87 



Balance, 



$178,822 41 



$81,387 44 



Net or Invested Assets. 



Par value of bonds and stocks owned, 
Agents 1 ledger balances, . 

Cash in office, 

Cash in bank, 



Total net or invested assets, . 
Less agents' balances unsecured, 

Total net or invested assets, . 



$77,200 00 

960 75 

415 56 

2,811 13 


$81,387 44 
960 75 


$80,426 69 



Non-invested Assets. 



Interest accrued, 

Rents due, 

Total non-invested assets, 

Gross assets, . . 



$999 54 
31 25 



1,030 79 



,457 48 



Liabilities. 



Advance assessments, 

Balance, net assets, 



104 95 



$81,352 53 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments called and not yet due, $19,041 96 
Mortuary assessments not yet called for losses 
reported, 30,000 00 



Total due from members, 
Deduct estimated cost of collection,. 

Net amount due from members, 



$49,041 96 
1,471 25 



$47,570 71 



268 



MAINE BENEFIT ASSOCIATION. 



Contingent Mortuary Liabilities. 

Losses adjusted, not jet due (11), . . . $26,000 00 

Losses reported, not in process (8), . . 19,000 00 

Total contingent mortuary liabilities, . 



145,000 00 



Total Business of 1893 



Policies in force at beginning of year, 
Policies written during 1893, . 

Total 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, 

Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 

Total 

Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

6,402 114,224,000 00 

883 1,572,500 00 



7,285 
1,221 


$15,796,500 00 
2,498,500 00 


6,064 $13,298,000 00 

18 $50,000 00 
64 152,000 00 


82 
63 


*$202,000 00 
143,950 00 



19 $45,000 00 



Business in Massachusetts during 1893. 



Policies in force at beginning of year, . 
Policies written during 1893, .... 


Number. 

743 
413 


Amount. 

$1,525,000 00 
608,500 00 


Total, 

Policies ceased during 1893, .... 


1,156 
329 


£2,133,500 00 
609,000 00 


Policies in force Dec. 31, 1893, . 

Losses and claims unpaid Dec. 31, 1892, . 
Losses and claims incurred during 1893, . 


827 

2 
6 


$1,524,500 00 

?5,000 00 
15,000 00 


Total 

Losses and claims paid during 1893, 


8 
5 


$20,000 00 
10,000 00 


Losses and claims unpaid Dec. 31, . 


3 


$10,000 00 


* Less by compromise, $13,050. 







MASSACHUSETTS BENEFIT LIFE ASSOCIATION. 



2Gd 



MASSACHUSETTS BENEFIT LIFE ASSOCIATION, BOSTON, MASS. 

[Incorporated Feb. 8, 1878. Commenced business Oct. 13, 1879.] 

Geo. A. Litchfield, President. E. S. Litchfield, Secretary. 

Office, 53 State Street. 



Income during 1893. 



For membership fees, 

annual dues, 

assessments, 

interest, 
From all other sources, 



),415 43 

286,113 38 

1,790,459 40 

29,184 86 

937 80 



Total income, . 
Balance on hand Dec. 31, 1892, 



$2,287,110 87 
1,008,007 55 



Total, $3,295,118 42 



Disbursements during 

For losses and claims, .... 
dividends paid to certificate-holders, 
salaries and commissions to agents, . 
salaries of officers and employees, . 
medical examiners 1 fees, . 
agency expenses, .... 

legal expenses, 

incidental expenses, .... 
amount loaned death fund, on account of 
advance payments, refunded, 
Total disbursements, 



Balance, 



1893. 

$1,5.11,868 72 
174,533 86 
337,002 70 
50,557 66 
26,215 51 
35,623 01 
13,835 17 
65,716 74 

98,467 57 



Net or Invested Assets. 
Loans on mortgages, .... 
Loans secured by pledge of bonds, stocks, etc 
Cost value of bonds and stocks owned, . 
Agents' ledger balances, .... 

Cash in office, 

Cash in bank, 

Special deposit Missouri Insurance Department, 

Total net or invested assets, . 

Non-invested Assets. 

Interest accrued, 

Market value of bonds and stocks over cost, . 
Total non-invested assets, 



2,313,820 94 
$981,297 48 

$358,960 89 

40,653 12 

296,142 33 

30,186 23 

18,765 79 

235,589 12 

1,000 00 

$981,297 48 



58,182 72 
3,731 42 



Gross assets, 



11,914 14 
$993,211 62 



270 



MASSACHUSETTS BENEFIT LIFE A8SOCIA1 



Contingent Mobtuabt Assets (or Resourci 

Mortuar :nents not yet called for lo- 

unadjusted, $580,000 00 

Net amount due from members, . . $580,000 00 



Contingent Mortuary Liabilities. 



Losses adjusted, not vet due (67), . 
Losses in process of adjustment (32), 
Losses reported, not in process (31), 
Losses resisted (6), .... 

Total contingent mortuary liabilities, 



$215,278 61 

103,045 00 

83,000 00 

23,000 00 



$424,323 61 



Total Business of 1893. 



Policies in force at beginning of year, 
Policies written during 1893, 



Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, . 

Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 



Total, 

Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 31, . 



Number. 

34,343 
5,990 



40,333 
5,269 



Amount. 

$105,178,030 00 
14,271,750 00 

f 119,449,780 00 
14,068,175 00 



35,064 $105,381,605 00 



113 

OOO 



668 
532 



$395,150 00 
1,610,647 00 

7 00 
1,474 00 



136 ?424,323 00 



Business in Massachusetts during 1893. 



Policies in force at beginning of year, 
Policies written during 1893, . 



Total 

Policies ceased daring 1893, 

Policies in force Dec. 31, 1893, . 

Losses and claims unpaid Dec. 31, 1892, . 
Losses and claims incurred during 1893, . 



Total, 

Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 31, . 



tata 
10,962 

11,345 

620 



Amount. 

$35 00 

1,L'26,950 00 

$3C 00 

. .1,750 00 



10,725 $3. r 00 

41 $127,750 00 
175 611,675 00 



216 M25 00 

179 614,146 00 



37 $125,279 00 



MASSACHUSETTS MASONIC LIFE ASSOCIATION. 271 



MASSACHUSETTS MASONIC LIFE ASSOCIATION, SPRINGFIELD, 

MASS. 

[Incorporated June 9, 1893. Commenced business Sept. 1, 1893.] 

M. Wells Bridge, President. Wm. W. Gowdy, Secretary. 

Income during 1893. 

For quarterly dues, $1,961 00 

assessments, 30,612 05 

interest, 303 86 

From Massachusetts Masonic Relief Association, . . . 15,943 96 

Total income, $48,820 87 



Disbursements during 1893. 



For losses and claims, 

salaries of officers and employees, 
medical examiners' fees, . 
incidental expenses, . 
Total disbursements, 



$16,500 00 

1,052 00 

4 00 

1,282 95 



18,838 95 



Balance, $29,981 92 



Net or Invested Assets. 

Cash in bank $26,981 92 

Deposited with State treasurer, 3,000 00 



Total net or invested assets, $29,981 92 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of claims, 16), . . $35,500 00 



Total Business of 1893. 

Number. Amount. 

Policies in force Dec. 31,1893, 1,943 $4,069,000 00 

Losses and claims incurred during 1893, ... 19 43,000 00 

Losses and claims unpaid Dec. 31, ... 16 35,500 00 



272 



MASSACHUSETTS MUTUAL ACCIDENT ASSOCIATION. 



MASSACHUSETTS MUTUAL ACCIDENT ASSOCIATION, BOSTON, 

MASS. 

[Incorporated Dec. 8, 1883. Commenced business Jan. 1, 1884.] 

Everett A. Stevens, President. G. Leonard McNeill, Secretary. 

Office, 131 Devonshire Street. 



Income during 1893. 
For membership fees, 

for annual dues, 

assessments, mortuary, 

interest, .... 

assessments paid in advance, 

advances to agents repaid, 
From all other sources, . 

Total income, 
Balance on hand Dec. 31, 1892, 



Total, . 

Disbursements durin 

For losses and claims, 

salaries and commissions to agents, 

salaries of officers and employees, 

medical examiners 1 fees, . 

rent, taxes, advertising and printing, 

advanced to agents, . 

incidental expenses, . 
Profit and loss, . 

Total disbursements, 

Balance, . 



G 1893. 

$8,052 92 

11,842 90 

5,214 18 

828 95 

1,684 81 

678 00 

1,909 86 

17 11 



$9,275 50 

2,830 50 

14,842 70 

387 55 

754 25 

385 52 

3,458 60 

$31,934 G2 
11,073 74 

?43,008 36 



30,228 73 
$12,779 63 



Net or Invested Assets. 

Cost value of bonds and stocks owned, . 

Cash in bank, 



Total net or invested assets, . 



$4,500 00 
8,279 63 

£12,779 63 



Non-Invested Assets. 



Agents 1 ledger balances, . 
Office furniture, 

Total non-invested assets, 



$160 18 
1,092 76 

$1,552 94 



MASSACHUSETTS MUTUAL ACCIDENT ASSOCIATION. 



273 



Liabilities. 



Borrowed money, 
Advance assessments, 

Total actual liabilities, . 

Balance, net assets, 



$2,600 00 
507 50 



$3,107 50 
$9,672 13 



Contingent Mortuary Assets (or Resources). 
Mortuary assessments called and not yet due, . . . $1,071 70 



Contingent Mortuary Liabilities. 

Losses in process of adjustment (1), . . $780 00 

Losses resisted (1), 200 00 

Total contingent mortuary liabilities, . 



$980 00 



Total Business of 1893 



Policies in force at beginning of year, 
Policies written during 1893, . 

Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, . 

Losses and claims unpaid Dec. 31, 1892, . 
Losses and claims incurred during 1893, 

Total, 

Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 31, . 



Number. 

1,568 
1,998 

3,566 

1,285 



Amount. 

$5,325,750 00 
6,341,750 00 



$11,667,500 00 
3,481,875 00 



2,281 $8,185,625 00 



2 

193 



195 
193 



$165 00 
8,867 00 



$9,032 00 
8,052 00 

$980 00 



Business in Massachusetts during 1893. 

Number. Amount. 

1,385 $4,674,750 00 

1,483 4,532,250 00 



Policies in force at beginning of year, 
Policies written during 1893, . 



Total, . 
Policies ceased during 1893, 

Policies in force Dec. 31, 1893, 



Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 



Total, 

Losses and claims paid during 1893, 



2,868 $9,207,000 00 
966 2,556,000 00 



1,902 $6,651,000 00 



2 
140 



$165 00 
5,056 00 



142 
142 



^5,221 00 
5,221 00 



274 



MERCANTILE BENEFIT ASSOCIATION OF NEW YORK. 



"MERCANTILE BENEFIT ASSOCIATION OF NEW YORK," NEW 

YORK, N. Y. 

[Re-incorporated 1883. Commenced business May 1, 1877.] 

Alonzo Alford, President. Ira W. Steward, Secretary. 

Income during 1893. 

For membership fees, $1,250 00 

assessments, mortuary, $140,249.25 ; expense, $8,676.00, . 148,925 25 

medical examiners 1 fees paid by applicant, . . . 375 00 

interest, 3,910 00 

Total income, $154,460 25 

Balance on hand Dec. 31, 1892, 126,070 12 



Total, $280,530 37 



Disbursements during 1893. 



For losses and claims, 

advance payments returned, $59.25 

plied, $2,515.63, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
rent, advertising and printing, 
incidental expenses, . 

Total disbursements, 



ap- 



Balance, $118,652 89 



$141,470 23 

2,574 88 
3,754 25 
7,380 92 
375 00 
1,567 75 
4,754 45 



161,877 48 



Net or Invested Assets. 

Xoans secured by pledge of bonds, stocks, etc 

•Cash in office, 

•Cash in bank, 



Total net or invested assets, 
Less depreciation, 



Total net or invested assets, . 



$97,321 37 

1,909 00 

19,422 52 



$118,652 89 
12,571 37 

$106,081 52 



Non-invested Assets. 



Due from ex-secretary, 
Office furniture, 



$2,833 31 
671 58 



Contingent Mortuary Liabilities. 
Losses reported (8), 



$36,250 00 



MEKCANT1LE MUTUAL ACCIDENT ASSOCIATION. 



275 



Total Business of 1893 



Policies in force at beginning of year, 
Policies written during 1893, . 



Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, . 

Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 



Total, 

Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

2,513 $12,565,000 00 
125 625,000 00 



2,638 $13,190,000 00 
164 820,000 00 



2,474 $12,370,000 00 



9 
33 



$34,269 00 
150,000 00 



42 $184,269 00 
34 141,470 00 

8 $42,799 00 



Business in Massachusetts during 1893. 



Policies in force at beginning of year, 
Policies written during 1893, . 



Total, . . 
Policies ceased during 1893, 

Policies in force Dec. 31, 1893, . 



Number. 

8 
10 

18 
2 



16 



Amount. 

$35,000 00 
40,000 00 

$75,000 00 
10,000 00 

$65,000 00 



MERCANTILE MUTUAL ACCIDENT ASSOCIATION, BOSTON, 

MASS. 

[Incorporated Jan. 4, 1881. Commenced business Jan. 24, 1881.] 

Geo. M. Hobbs, President. Wm. L. Wellman, Secretary, 

Office, 18 P. O Square. 

Income during 1893. 

For membership fees, $2,588 00 

annual dues, 8,791 39 

assessments, mortuary, $19,838.16 ; expense, $2,037.57, . 21,875 73 

interest, 494 66 

Total income, $33,749 78 

Balance on hand Dec. 31, 1892, 11,202 59 

Total, $44,952 37 



276 



MERCANTILE MUTUAL ACCIDENT ASSOCIATION. 



Disbursements during 1893. 



For losses and claims, 

advance payments applied, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiners 1 fees, . 
rent, advertising and printing, . 
incidental expenses, . 
Total disbursements, 



Balance, 



$18,994 60 
268 10 
3,579 42 
5,627 00 
1,807 37 
1,066 30 
1,052 32 



Net or Invested Assets. 
Cost value of bonds and stocks owned, . 

Cash in office, 

Cash in bank, 



Total net or invested assets, . 

Liabilities. 
Advance assessments, .... 

Balance, net assets, 



$32,395 11 
$12,557 26 

$9,613 83 

271 47 

2,671 96 

$12,557 26 

333 27 

812,223 99 



Contingent Mortuary and Disability Assets (or Resources). 

Mortuary assessments called and not yet due, $2,500 00 

Mortuary assessments due and unpaid, . . 1,000 00 
Mortuary assessments not yet called for losses 
unadjusted, $3,359.64; resisted, $15,250.00; 

and reported, $3,275.00, 21,884 64 

Total due from members, . . . $25,384 64 

Contingent Mortuary and Disability Liabilities. 

Losses in process of adjustment (37), . . $3,359 64 

Losses reported, not in process (4), . . 3,275 00 

Losses resisted (4), 15,250 00 

Total contingent mortuary and disa- 
bility liabilities, 



Total Business of 1893 



Policies in force at beginning of year, 
Policies written during 1893, . 

Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, . 

Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 

Total 

Losses and claims paid during 1893, 



$21,884 64 



Number. Amount. 

4,563 $14,478,495 00 
1,020 2,253,525 00 



5,583 
3,553 


$16,732,020 00 
9,924,570 00 


2,030 

117 
216 


$6,807,450 00 

$10,354 00 
8,638 00 


333 
333 


$18,992 00 
18,992 00 



THE MUTUAL BENEFIT LIFE ASSOCIATION OF AMERICA. 277 



Business in Massachusetts during 1893. 

Number. 

Policies in force at beginning of year, . . . 2,584 
Policies written during 1893, 496 



Total, 

Policies ceased during 1893, . . 

Policies in force Dec. 31, 1893, . 

Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 



Total, 

Losses and claims paid during 1893, 



3,080 
1,770 



Amount. 

$10,451,452 00 
1,337,250 00 

$11,788,702 00 
6,981,502 00 



1,310 $4,807,200 00 



23 
135 



158 
158 



$1,662 00 
6,424 00 

68,086 00 
8,086 00 



"THE MUTUAL BENEFIT LIFE ASSOCIATION" OF AMERICA," 

NEW YORK, N. Y. 

[Incorporated Dec. 12, 1882. Commenced business Jan. 9, 1883.] 

William H. Whiton, President. Frederick H. Calkins, Secretary* 



Income during 1893. 
For annual dues, 

mortuary assessments, 

medical examiners 1 fees paid by applicanl 

interest, $3,561.49 ; rents, $234.50, 

advance payments, 
From all other sources, 



t, 



Total income, . 
Balance on hand Dec. 31, 1892, 



Total, 



Disbursements during 1893. 

For losses and claims, $181,473 87 

advance payments applied, . . . 3,826 68 

salaries and commissions to agents, . . 32,151 «53 

salaries of officers and employees, . . 22,999 81 

medical examiners' fees, .... 675 25 

rent, taxes, advertising and printing, . 10,535 04 

advanced to agents, 8,346 45 

borrowed money repaid, .... 2,400 00 

incidental expenses, 13,582 15 

Total disbursements, .... 

Balance, 



$46,181 02 

213,996 16 

410 00 

3,795 99 

3,918 95 

512 23 

$268,814 35 
138,560 52 

$407,374 87 



275,990 78 
$131,384 09 



278 THE MUTUAL BENEFIT LIFE ASSOCIATION OF AMERICA. 



Net or Invested Assets. 



Agents' ledger balances, 
Cash in office, . 
Cash in bank, . 



Total net or invested assets, . 
Less agents' balances unsecured, 

Total net or invested assets, . 



?6,072 72 

2,072 G8 

123,238 69 

$131,384 09 
6,07- :_> 

$125,311 37 



Non-invested Assets. 



Office furniture, 



$5,000 00 



Liabilities. 
Losses adjusted, due and unpaid, 
Salaries, rents and office expenses, . 
Advanced assessments, .... 
Total actual liabilities, . 

Balance, net assets, 



$67,500 00 
655 80 
511 73 



68,6' 2 



$56,643 84 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments called and not yet due, $1,727 39 

Mortuary assessments due and unpaid, . . 1,045 83 

Mortuary assessments not yet called for losses 

unadjusted, $33,500.00 ; resisted, $69,575.00 ; 

and reported, $142,950.00, .... 246,025 00 



Total due from members, 
Deduct estimated cost of collection, 

Net amount due from members, 



?248,798 22 
12,439 91 



$236,358 31 



Contingent Mortuary Liabilities. 



Losses adjusted, not yet due (7), 
Losses in process of adjustment (12), 
Losses reported, not in process (36), 
Losses resisted (25), 

Total contingent mortuary liabilities, 



§27,500 00 
33,500 00 

115,450 00 
69,575 00 



Total Business of 1893. 



$246,025 00 



Policies in force at beginning of year, 
Policies written during 1893, . 

Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, 



Number. Amount. 

8,507 $10,647,400 00 
8,109 5,085,300 00 



16,616 $15,732,700 00 
10,841 4,053,600 00 



5,775 $11,679,100 00 



MUTUAL RESERVE FUND LIFE ASSOCIATION. 



279 



Losses and claims unpaid Dec. 31, 1892, . 
Losses and claims incurred during 1893, . 



Total, 

Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 81, . 



Number. Amount. 

51 $175,800 00 
177 354,589 00 



228 $530,389 00 
119 205,189 00 



109 $325,200 00 



Business in Massachusetts during 1893. 

Number. 

Policies in force at beginning of year, 
Policies written during 1893, . 



Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, . 

Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 



Total, 

Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 31, . 



Amount. 

567 $274,000 00 
887 196,600 00 



1,454 
853 


$470,600 00 
210,700 00 


601 

6 
14 


$259,900 00 

$8,000 00 
13,000 00 


20 
13 


$21,000 00 
4,950 00 



$16,050 00 



"MUTUAL RESERVE FUND LIFE ASSOCIATION," NEW 

YORK, N. Y. 

[Re-incorporated 1883. Commenced business Feb. 9, 1881.] 

Edward B. Harper, President. Frederic T. Braman, Secretary. 



Income during 1893. 
For membership fees, .... 

annual dues, 

mortuary assessments, 

medical examiners 1 fees paid by applicant, 

interest, $123,188.18 ; rents, $1,072.30, 

advance assessments, 
From all other sources, .... 



Total income, . 
Balance on hand Dec. 31, 1892, 



$315,161 00 

634,420 91 

3,340,203 08 

56,710 00 

124,260 48 

27,203 77 

855 76 

$4,498,815 00 
3,690,592 76 



Total, 



5,189,407 76 



280 



MUTUAL RESERVE FUND LIFE ASSOCIATION. 



Disbursements during 1893. 



For losses and claims, 

advance payments returned, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiners 1 fees, . 
advanced to agents, . 
legal expenses, .... 
rent, taxes, advertising and printing 
adjusting claims, 
incidental expenses, . 
Total disbursements, 



Balance, ?3,936,730 05 



£2,951,855 23 

80 00 

663,962 76 

168,178 60 

82,819 28 

50,890 00 

8,069 80 

161,782 65 

65,431 20 

99,608 19 



$4,252,677 7! 



Net or Invested Assets 

Cost of real estate, .... 
Loans on mortgages, 
Cost value of bonds and stocks owned, 
Agents'" ledger balances, . 

Cash in office, 

Cash in bank, ..... 
Furniture and fixtures, 

Total net or invested assets, . 
Less agents 1 balances and furniture and fixtures, 

Total net or invested assets, . 



1172,101 16 

2,450,000 00 

255,113 95 

186,872 75 

3,513 68 

847,312 92 

21,815 59 

$3,936,730 05 
208,688 34 

13,728,041 71 



Non-invested Assets. 

Interest due, $4,397.50; accrued, $20,609.69, . $25,007 19 

Market value of real estate over cost, . . 5,440 31 

Market value of bonds and stocks over cost, . 4,530 65 

Total non-invested assets, . . . 



34,978 15 



Gross assets, $3,763,019 86 



Liabilities. 



Advance assessments, 
Bond obligations, 

Total actual liabilities, 

Balance, net assets, 



$96,550 32 
504,732 09 



- 601,282 41 
. 83,161,737 45 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments called and not yet due, $1,152,431 76 
Deduct estimated cost of collection, . . 115,398 60 



Net amount due from members, 



$1,037,033 16 



MUTUAL RESERVE FUND LIFE ASSOCIATION. 



281 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (105), . . . $449,150 00 

Losses in process of adjustment (105), . . 348,950 00 

Losses resisted (17), 116,008 00 

Total contingent mortuary liabilities, . 



$914,108 00 



Total Business of 1893 



Policies in force at beginning of year, 
Policies written during 1893, . 

Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, 

Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 

Total 

Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

72,342 $236,421,790 00 
20,148 57,749,670 00 



92,490 $294,171,460 00 
9,774 31,564,395 00 



82,716 $262,607,065 00 

177 $691,088 00 
945 3,174,875 00 



1,122 $3,865,963 00 
895 2,951,855 00 



227 $914,108 00 



Business in Massachusetts during 1893. 

Number. 

Policies in force at beginning of year, 
Policies written during 1893, . 



Total 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, 

Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 

Total, 

Losses and claims paid during 1893, 



Amount. 

1,630 $7,152,000 00 
330 1,007,000 00 



1,960 $8,159,000 00 
222 1,134,700 00 



1,738 

6 
26 


$7,024,300 00 

$60,600 00 
87,500 00 


32 
28 


$148,100 00 
131,400 00 



Losses and claims unpaid Dec. 31, . 



$16,700 00 



282 



THE NATIONAL LIFE-MATURITY INSURANCE CO. 



"THE NATIONAL LIFE-MATURITY INSURANCE COMPANY," 

WASHINGTON, D. C. 

[Incorporated Feb. 2, 1884. Commenced business May 3, 1883.] 

Horatio Browning, President. Geo. D. Eldridge, Secretary. 

Income during 1893. 



For annual dues, 

assessments, mortuary, $258,311.01 ; expense, $12,392.28, 

interest, .... 

advances to agents repaid, 
From all other sources, . 



Total income, . 
Balance on hand Dec. 31, 1892, 



Total, 



Disbursements during 

For losses and claims, .... 

surrender values, .... 

mortuary assessments paid by application 
of reserve, 

advance payments returned, 

salaries and commissions to agents, . 

salaries of officers and employees, . 

medical examiners 1 fees, . 

rent, taxes, advertising and printing, 

legal expenses, 

incidental expenses, .... 

advanced to agents, .... 

Profit and loss, 

Total disbursements, 



Balance, ?348,883 84 



f66,007 41 

270,703 29 

lo,743 06 

8,064 M 

177 17 



§360,685 83 
274,226 26 



$634,912 09 



1893. 

$126,803 26 
67,737 31 

13,864 05 
339 45 

23,595 oo 

23,074 15 
1,440 50 
6,062 07 
1,600 87 
9,422 42 

11,010 92 
1,027 70 



286,028 25 



Net or Invested Assets. 

Loans on mortgages, 

Loans secured by pledge of bonds, stocks, etc., 
Cost value of bonds and stocks owned, 
Ap-ents 1 ledger balances, . 
Cash in office, .... 
Cash in bank, .... 
Personal property, . 



Total net or invested assets, 
Less agents 1 balances and personal property, 

Total net or invested assets, . , 



$208,058 21 
55,833 40 
44,671 43 
20,973 17 

2,989 33 
15,238 34 

1,119 96 

$348,883 84 

22,093 13 

$326,790 71 



THE NATIONAL LIFE-MATUKITY INSURANCE CO. 



283 



Non-invested Assets. 

Interest due, $2,892.91 ; accrued, $2,217.21, . .$5,110 12 

Bills receivable, 500 00 

Total non-invested assets, .... 



$5,610 12 



Gross assets, $332,400 83 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments called and not yet due, $64,554 52 
Mortuary assessments due and unpaid, . . 11,010 02 

Mortuary assessments not yet called for losses 

unadjusted, $22,500.00; resisted, $10,500.00, 

and reported, $29,200.00, .... 



Total due from members, 
Deduct estimated cost of collection, 

Xet amount due from members, 



62,200 00 

$ 137,764 54 
6,888 22 



$130,876 32 



Contingent Mortuary Liabilities. 



Losses adjusted, not yet due (8), 
Losses in process of adjustment (8), 
Losses reported, not in process (17), 

Losses resisted (6), 

Total contingent mortuary liabilities, 



$13,900 00 
22,500 00 
29,200 00 
10,500 00 



$76,100 00 



Total Business of 1893. 



Policies in force at beginning of year, 
Policies written during 1893, . 

Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, 

Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 

Total, 

Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 31, . 





Number. Amount. 

. 12,780 $13,306,395 00 
1,198 1,520,792 00 




. 13,978 $14,827,187 00 
1,389 1,420,450 00 




. 12,589 $13,406,737 00 

33 $63,250 00 
76 154,450 00 




109 

70 


$217,700 00 
141,600 00 


• • 


39 


$76,100 00 



284 



NEW ENGLAND LIVE STOCK INSURANCE CO. 



Business in Massachusetts during 1893. 



Policies in force at beginning of year, 
Policies written during 1893, . 



Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, 

Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 



Total, 

Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 31, . 



Number. 


Amount. 


2,0 V.) 


$3,819,050 00 


136 


179,742 00 



2,1 


$3,998,792 00 
400,750 00 


2,000 

20 
36 


$3,598,042 00 

$44,000 00 
107,500 00 


56 
38 


$151,500 00 
107,500 00 



18 



$44,000 00 



NEW ENGLAND LIVE STOCK INSURANCE COMPANY, BOSTON, 

MASS. 

[Incorporated April 12, 1888. Commenced business Oct. 13, 1838.] 

J. A. Harvvood, President. Leonard Tillinghast, Secretary. 

Office, 120 Tremont Street. 

Income during 1893. 

For membership fees, $20,102 42 

assessments, mortuary, $38,322.30 ; expense, $ 12,328- 50,651 19 

medical examiners' fees paid by applicant, . . . 812 50 

From all other sources, 15 70 



Total income, $71,581 81 

Balance on hand Dec. 31, 1892, 6,084 75 

Total, 



'• ' + 



Disbursements during 1893. 



$77,666 56 



For losso^ind claims, 



iMries 



salaries and commissions to agents, 
salaries of officers and employees, 
medical examiners 1 fees, . 
rent, advertising and printing, . 
incidental expenses, . 
Total disbursements, 



$30,704 95 

19,702 45 

2,652 50 

10,524 67 

1,508 64 

6,508 66 



71,601 87 



Balance, . 



$6,064 69 



NEW ENGLAND LIVE STOCK INSURANCE CO. 



285 



Net or Invested Assets. 



Agents 1 ledger balances, 
Cash in office, . 
Cash in bank, . 



Total net or invested assets, . . 
Less agents' balances unsecured, 

Total net or invested assets, . 

Non-invested Assets. 
Office furniture, 



$3,943 51 

2,038 25 

82 93 

$6,064 69 

3,943 51 

$2,121 18 



$750 00 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments called and not yet due, $3,806 94 

Mortuary assessments due and unpaid, . . 1,359 05 
Mortuary assessments not yet called for losses 

unadjusted, 8,608 59 

Total due from members, . . . 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (61), . 

Total Business of 1893. 



Policies in force at beginning of year, 
Policies written during 1893, . 

Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, . 

Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 

Total, 

Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 31, . 



$13,774 58 
$7,953 00 



Number. Amount. 

3,995 $571,661 00 
4,816 657,900 00 



8,811 $1,229,561 00 
4,318 611,561 00 


4,493 

20 
269 


$618,000 00 

$2,514 00 

37,279 00 


289 
228 


$39,793 00 
31,840 00 



61 $7,953 00 



Business in Massachusetts during 1893. 

Number 

Policies in force at beginning of year, 
Policies written during 1893, 



Total, 
Policies ceased during 1893, 

Policies in force Dec. 31, 1893, 



Losses and claims incurred during 1893, 
Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 31, . 



Amount. 

3,897 $565,521 00 
4,696 632,385 00 



8,593 $1,197,906 00 
4,231 596,533 00 



4,362 $601,373 00 

266 $36,810 00 
225 31,370 00 



41 $5,440 00 



286 



NEW ENGLAND MUTUAL ACCIDENT ASSOCIATION. 



NEW ENGLAND MUTUAL ACCIDENT ASSOCIATION, BOSTON, 

MASS. 

[Incorporated Feb. 29, 1884. Commenced business March, 1884.] 

Augustus P. Martin, President. Benj. F. Dyer, Secretary. 

Office, 85 Water Street. 

Income during 1893. 

For membership fees, £8,494 25 

annual dues, 1 00 

assessments, mortuary, $70,031.85; expense, $68,086.75, . 138,118 60 

interest, 1,706 80 

Total income, $148,870 65 

Balance on hand Dec 31, 1892, 58,709 03 

Total, $207,579 68 



Disbursements during 1893. 



For losses and claims, .... 
advance and other payments returned, 
salaries and commissions to agents, . 
salaries of officers and employees, 
medical examiners' fees, . 
rent, taxes, advertising and printing, 

legal expenses, 

adjusting claims, .... 
incidental expenses, .... 
Total disbursements, 



$56,845 43 

1,025 44 

27,886 82 

24,921 73 

3,851 63 

8,574 15 

966 55 

8,095 93 

4,681 56 



136,849 24 



Balance, 



?70,730 44 



Net or Invested Assets. 



Loans on mortgages, 

Cost value of bonds and stocks owned, 

Agents 1 ledger balances, . 

Cash in office, 

Cash in bank, 



Total net or invested assets, 
Less agents 1 balances unsecured, 

Total net or invested assets, 



$7,300 00 

34,933 10 

297 53 

221 88 

27,977 93 

?7C,730 44 

297 53 

?70,432 91 



NEW ENGLAND MUTUAL ACCIDENT ASSOCIATION. 



287 



Non-invested Assets. 

Interest accrued, 

Market value of bonds and stocks over cost, . 

Office furniture $3,266 69 

Total non-invested assets, 



Gross assets, 



$683 54 
166 90 



$850 44 



$71,283 35 



Liabilities. ' 

Taxes due and accrued, $300 00 

Advance assessments, 474 44 

All other (not including contingent mortuary), 500 00 

Total actual liabilities, .... 

Balance, net assets, 



1,274 44 



$70,008 91 



Contingent Mortuary Assets (or Resources). 

Mortuary and indemnity assessments called 

and not yet due $4,187 00 

Mortuary and indemnity assessments not yet 
called for losses unadjusted, $4,204.27 ; re- 
sisted, $5,947.50, and reported, $ 657.15, . 10,808 92 
Total due from members, . . . 



$14,995 92 



Contingent Mortuary Liabilities. 

Losses in process of adjustment (38), . . $4,204 27 

Losses reported, not in process (13), . . 657 15 

Losses resisted (5), 5,947 50 



lotal contingent mortuary liabilities, . 

Total Business of 181 

Policies in force at beginning of year, 
Policies written during 1893, .... 


$10,808 92 

)3. 

Number. Amount. 

9,864 $42,909,750 00 
4,454 18,638,375 00 


Total 

Policies ceased during 1893, .... 


. 14,318 $61,548,125 00 
4,556 17,776,875 00 


Policies in force Dec. 31, 1893, 

Losses and claims unpaid Dec. 31, 1892, . 
Losses and claims incurred during 1893, 


9,762 $43,771,250 00 

8 $6,282 00 
947 56,510 00 


Total, 

Losses and claims paid during 1893, 


955 $62,792 00 
950 56,845 00 



Losses and claims unpaid Dec. 31, . 



$5,947 00 



288 



NORTHWESTERN MASONIC AID ASSOCIATION. 



Business in Massachusetts during 1893. 



Policies in force at beginning of year, 
Policies written during 1893, . 



Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, 

Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 



Total 

Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 31, . 



Number. 

3,617 
879 


Amount. 

$16,163,250 00 
4,110,000 00 


4,496 $20,273,250 00 
975 3,814,250 00 


3,521 

3 
283 


$16,459,000 00 

$5,687 00 
17,498 00 



286 
283 



?23,185 CO 
17,498 00 

£5,687 00 



"NORTHWESTERN MASONIC AID ASSOCIATION',"* 
CHICAGO, ILL. 

[Incorporated June 27, 1874. Commenced business July, 1874 ] 

Daniel J. Avery, President. Charles A. Capwell, Secretary. 

Income during 1893. 

For membership fees, $46,624 69 

assessments, mortuary, $1,627,014.16 ; expense, $402,036.97, 2,029,051 13 

interest, 17,369 79 

From all other sources, 21,422 67 



Total income, $2,114,468 28 

Balance on hand Dec. 31, 1892, 790,123 93 



Total 12,904,592 21 



Disbursements during 1893. 



For losses and claims, 

advance payments applied, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiners' fees, . 
rents, advertising and printing, 
legal expenses, .... 
incidental expenses, . 
Total disbursements, 



Balance, f 744,226 06 



$1,888,157 14 
4,564 91 
93,609 30 
98,882 46 
11,711 73 
24,081 51 
1,077 65 
38,281 45 



2,160,366 15 



NORTHWESTERN MASONIC AID ASSOCIATION. 



289 



Net or Invested Assets. 

Cost value of bonds and stocks owned, 
Agents 1 ledger balances, . 

Cash in office, 

Cash in bank, 



Total net or invested assets, . 
Less depreciation and agents 1 balances unsecured, 

Total net or invested assets, . 



$412,951 14 

24,870 61 

100 00 

306,304 31 

$744,226 06 
31,839 25 

$712,386 81 



Non-invested Assets. 



Interest accrued, 



1,936 67 



Gross assets, $714,323 48 



Liabilities. 
Losses adjusted, due and unpaid, 
Advance assessments, 

All other, 

Total actual liabilities, . 

Balance, net assets, 



$28,357 14 

25,324 69 

2,194 42 



55,876 25 
$658,447 23 



Contingent Mortuary Assets (or Resources). 
Mortuary assessments adjusted and not yet 

due, 

Mortuary assessments due and unpaid, . 
Mortuary assessments not yet called for losses 
unadjusted, $12,000.00 ; resisted, $16,000.00 
and reported, $169,000.00, . 

Net amount due from members, . 



$233,500 00 
32,000 00 



197,000 00 



$462,500 00 



Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (71), . . . $233,500 00 
Losses in process of adjustment (5), . . 12,000 00 

Losses reported, not in process (48), . . 169,000 00 

Losses resisted (3), 16,000 00 

Total contingent mortuary liabilities, . 



$430,500 00 



Total Business of 1893 



Policies in force at beginning of year, 
Policies written during 1893, . 

Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, . 



Number. Amount. 

49,417 $155,908,000 00 
4,184 9,596,500 00 



53,601 $165,504,500 00 
7,828 22,956,000 00 



45,773 $142,548,500 00 



290 



PROVIDENT AID SOCIETY. 



Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 



Total, 

Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 31, . 

Business in Massachusetts 



Policies in force at beginning of year, 
Policies written during 1893, . 



Number. Amount. 

160 $523,014 00 
560 ; 1,500 00 



720 $2,354,514 00 
574 1,888,157 00 



Total, .... 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, . 

Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 



Total, 

Losses and claims paid during 1893, 



146 |466,357 00 



during 1893. 

Number. Amount. 

562 12,022,000 00 

79 265,000 00 



641 $2,2*7,000 00 
88 302,000 00 



553 11,985,000 00 

2 f 10,000 00 

3 13,500 00 



5 $23,500 00 

3 19,000 00 



"PROVIDENT AID SOCIETY," PORTLAND, ME. 

[Incorporated March 5, 1885. Commenced business Oct. 15, 1885.] 

Franklin J. Rollins, Prcsidciit. Everett Smith, Secretary. 



Income during 1893. 

For membership fees, 

annual dues, 

assessments, mortuary, $49,382 59 ; expense, $773.92, 
interest, 

From all other sources, 



$1,377 24 
7,897 31 

5(>,156 51 

2,987 05 

4 00 



Total income, . 
Balance on hand Dec. 31, 1892, 



$62,422 11 
68,296 16 



Total, $130,718 27 



Disbursements during 1893. 



For losses and claims, 

advance payments returned, 
salaries and commissions to agents, 
salaries of officers and employees, 
incidental expenses, . 
Total disbursements, 

Balance, 



$55,500 00 

287 67 

2,319 89 

7,153 58 

3,955 77 



69,216 91 
$61,501 36 



PROVIDENT AID SOCIETY. 



291 



Net or Invested Assets. 
Cost value of bonds and stocks owned, . 

Cash in office, 

Cash in bank, 



Total net or invested assets, . 



$50,635 90 

334 10 

10,531 36 

$61,501 36 



Contingent Mortuary Assets (or Resources). 
Mortuary assessments called and not yet due,. . . . $8,500 00 



Contingent Mortuary Liabilities. 



Losses adjusted, not yet due (3), 
Losses in process of adjustment (1), 
Losses reported, not in process (1),. 

Losses resisted (2), 

Total contingent mortuary liabilities, 



$5,000 00 
2,500 00 
1,000 00 
3,000 00 



$11,500 00 



Total Business of 1893 



Policies in force at beginning of year, 
Policies written during 1893, . 

Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, 

Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 

Total 

Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

2,079 $5,765,000 00 
88 218,000 00 



2,167 $5,983,000 00 
150 387,500 00 



2,017 $5,595,500 00 



4 
25 



29 
24 



$9,000 00 
55,000 00 



$64,000 00 
55,500 00 



$8,500 00 



Business in Massachusetts during 1893. 



Policies in force at beginning of year, 
Policies written during 1893, . 

Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, . 

Losses and claims incurred during 1893, 

Total, 

Losses and claims paid during 1893, 



Number. Amount. 

363 $941,000 00 
39 73,000 00 



402 $1,014,000 00 
28 75,500 00 



374 $938,500 00 
1 $3,000 00 



1 $3,000 00 
1 3,000 00 



292 



SECURITY LIVE STOCK INSURANCE CO. 



SECURITY LIVE STOCK INSURANCE COMPANY, BOSTON, MASS. 

[Incorporated April 17, 1891. Commenced business May 11, 1891.] 

Thomas II. McDonnell, President. Wm. D. Webb, Secretary. 

Office, 53 State Street. 

Income during 1893. 

For membership fees $9,50G 31 

assessments, mortuary, $17,738.94 ; expense, $8,703.69, . 26,442 63 

rents, 199 50 

From all other sources, 311 92 

Total income, $36,460 36 

Balance on hand Dec. 31, 1892, 591 77 

Total, ?37,052 13 



Disbursements during 1893. 



For losses and claims, 

salaries and commissions to agents, 
salaries of officers and employees, 
medical examiners' fees, . 
rent, advertising and printing, 
incidental expenses, . 
profit and loss, . 
Total disbursements, 



$19,013 00 
7,062 7G 
1,660 00 
2,554 57 
1,499 31 
2,192 69 
372 71 



Balance, 



31.355 04 
2,697 09 



Net or Invested Assets. 
Agents 1 ledger balances, . 
Cash in office, . 
Cash in bank, .... 

Total net or invested assets, 
Less agents' balances unsecured, 

Total net or invested assets, 



$538 08 

184 01 

1,975 00 

$2,697 09 
538 08 

$2,159 01 



Office furniture, 



Non-invested Assets. 



$1,250 00 



Liabilities. 



Bills payable, . 

Balance, net assets, 



100 00 



$2,059 01 



THE SECUKITY MUTUAL LIFE ASS'N OF BINGHAMTON, N. Y. 293 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments due and unpaid, . . $385 82 

Mortuary assessments not yet called for losses 

unadjusted, $10,700.74; resisted, $550.00, . 11,250 74 



Total due from members, 
Deduct estimated cost of collection, . 

Net amount due from members, 



$11,636 56 
1,163 63 



$10,472 93 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (15), . . . $2,011 00 

Losses in process of adjustment (1), . . 500 00 

Losses resisted (4), 550 00 

Total contingent mortuary liabilities, . 



$3,061 00 



Total Business of 1893 (all Massachusetts Business). 



Policies in force at beginning of year, 
Policies written during 1893, - 



Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, . 

Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 



Total, 

Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 31, . 



Number. 

3,061 
1,860 

4,921 
1,594 



18 

157 



175 
137 



Amount. 

$477,391 00 
260,042 00 



$737,433 00 
238,154 00 



3,327 $499,279 00 



$2,638 00 
21,992 00 



$24,630 00 
19,013 00 



38 $5,617 00 



"THE SECURITY MUTUAL LIFE ASSOCIATION OF BINGHAM- 
TON, NEW YORK." 

[Incorporated Nov. 6, 1886. Commenced business Jan. 3, 1887.] 

H. J. Gaylord, President. Charles M. Turner, Secretary. 



Income during 1893. 

For assessments, mortuary, $83,473 74 ; expense, 
medical examiners 1 fees paid by applicant, 
interest, f 5,256.60 ; rents, $ 471. 25, ' . 

From all other sources, .... 



Total income, . 
Balance on hand Dec. 31, 1892, 

Total, . 



,393 97, 



$173,867 71 

1,571 00 

5,727 85 

6,735 23 

$187,901 79 

152,578 53 

$340,480 32 



294 THE SECURITY MUTUAL LIFE ASS'N OF BINGHAM! ON, N. Y. 



Disbursements during 
For losses and claims, .... 
dividends to members, 
salaries and commissions to agents, 
salaries of officers and employees, . 
medical examiners' fees, . 
rent, advertising and printing, . 
incidental expenses, .... 
Total disbursements, 

Balance, 



1893. 

$33,652 20 

1,025 44 

58,053 97 

11,391 50 

6,841 06 

7,008 25 

3,205 19 



121,177 61 



. $219,302 71 



Net or Invested Assets. 

Loans on mortgages, £124,800 00 

Par value of bonds owned, 1,000 00 

Agents' ledger balances, 21,361 07 

Cash in office, 5,852 36 

Cash in bank, 66,289 28 



Total net or invested assets, . 
Less depreciation and agents' balances unsecured, 

Total net or invested assets, 



$219,302 7L 
26,903 90 

$192,398 81 



Non-invested Assets. 

Interest due, $200.00 ; accrued, $1,531.81, 
Market value of bond over par, 
Furniture and fixtures, . . $4,850 52 

Total non-invested assets, 



Gross assets, 



51,731 81 
25 85 


1,757 66 






$194,156 47 



Liabilities. 

Salaries, rents and office expenses, . . . $1,055 00 

Dividends to members, 14,523 99 

Borrowed money, 3,000 00 

All other (not including contingent mortuary), 9,737 78 

Total actual liabilities, .... 



$28,316 77 



Balance, net assets, 



$165,839 70 



Contingent Mortuary Assets (or Resources). 
Mortuary assessments called and not yet due, $34,436 68 
Deduct estimated cost of collection, . . 1,030 75 



Net amount due from members, 



$33,405 93 



THE U. S. MUTUAL ACCIDENT ASS'N OF THE CITY OF N. Y. 295 



Contingent Mortuary Liabilities. 

Losses reported (1), $3,000 00 

Losses resisted (2), 4,000 00 

All other contingent liabilities, . . . 4,550 00 

Total contingent mortuary liabilities, . 



$11,550 00 



Total Business of 1893. 



Policies in force at beginning of year, 
Policies written during 1893, 



Total 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, . 

Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 



Total, 

Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

3,866 $7,663,800 00 
2,151 4,894,100 00 



6,017 $12,557,900 00 
844 1,812,600 00 



5,173 $10,745,300 00 



2 

22 



24 
21 



$5,050 00 
41,378 00 

$46,428 00 
39,428 00 

$7,000 00 



Business in Massachusetts during 1893. 

Number. Amount. 

15 $50,000 00 

1 2,000 00 



Policies written during 1893, . 
Policies ceased during 1893, 



Policies in force Dec. 31, 1893, 



14 $48,000 00 



"the united states mutual accident association of 
the city of new york," new york, n. y. 

[Re-incorporated 1883. Commenced business Nov. 3, 1877.] 

Chas. B. Peet, President. James R. Pitcher, Secretary. 

Income during 1893. 

For membership fees, $43,032 00 

assessments, indemnity, $377,088.56 ; expense, $514,900.28, 891,989 04 

interest, 5,202 79 

borrowed money, 15,000 00 

From advance assessments, 31,308 09 

Total income, $986,531 92 

Balance on hand Dec. 31, 1892, 165,793 09 

Total, $1,152,325 01 



296 THE U. S. MUTUAL ACCIDENT ASS'N OF THE CITY OF N. Y. 



Disbursements during 1893. 



For losses and claims, .... 
advance payments returned, 
salaries and commissions to agents, . 
salaries of officers and employees, . 
medical examiners' fees, . 
rent, taxes, advertising and printing, 
incidental expenses, . 
Total disbursements, 



Balance, 



$446,295 20 
1,650 63 
323,683 54 
92,908 61 
11,493 06 
54,679 29 
65,986 30 



$996,696 63 
$155,628 38 



Net or Inyested Assets 
Loans on mortgages, 
Cost value of bonds and stocks owned, 
Agents' ledger balances, . 
Cash in office, .... 
Cash in bank, .... 

Total net or invested assets, 
Less agents' balances unsecured, 

Total net or invested assets, 



$74,000 00 

11,837 47 

19,376 34 

5,231 40 

45,183 17 

$155,628 38 
19,376 34 

?136,252 04 



Non-invested Assets. 

Interest accrued, 791 64 

Office furniture, $21,176 41 

Gross assets, $137,043 68 



Liabilities. 

Borrowed money, $15,000 00 

Advance assessments and special deposits, . 39,760 01 

All other (not including contingent mortuary), 4,000 00 

Total actual liabilities, .... 



Balance, net assets, 



58,760 01 

?78,2v - 



Contingent Mortuary and Indemnity Assets (or Resources). 

Mortuary assessments called and not yet due, $16,283 12 
Mortuary assessments not yet called for losses 

unadjusted, $39,894.28; resisted, $22,000.00, 

and reported, $44,634.82, .... 



Total due from members, 
Deduct estimated cost of collection, . 
Net amount due from members, 



106,529 10 

$122,812 22 
5,325 00 



$117,487 22 



THE U. S. MUTUAL ACCIDENT ASS'N OF THE CITY OF N. Y. 297 



Contingent Mortuary and Indemnity Liabilities. 



Losses adjusted, not yet due (1), 
Losses in process of adjustment (119), . 
Losses reported, not in process (147), 
Losses resisted (5), . 

Total contingent mortuary liabilities, 



$5,000 00 
34,894 28 
44,634 82 
22,000 00 



$106,529 10 



Total Business of 1893 



Policies in force at beginning of year, 
Policies written during 1893, . 

Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, 

Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 

Total, 

Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 31, . 



o vr 


Number. Amount. 

. 59,933 $293,265,150 00 
. 22,406 127,168,700 00 




. 82,339 $ 420,433,850 00 
. 31,462 152,476,250 00 




. 50,877 $267,957,600 00 

342 $82,950 00 
. 3,509 469,864 00 




. 3,851 $552,814 00 
. 3,579 446,295 00 




272 $106,519 00 



Business in Massachusetts during 1893. 



Policies in force at beginning of year, 
Policies written during 1893, . 

Total, 

Policies ceased during 1893, 

Policies in force Dec. 31, 1893, . 

Losses and claims unpaid Dec. 31, 1892, 
Losses and claims incurred during 1893, 

Total, 

Losses and claims paid during 1893, 

Losses and claims unpaid Dec. 31, . 



Number. 

. 4,103 
. 2,561 


Amount. 

$20,288,900 00 
13,565,620 00 


. 6,664 
. 2,453 


$33,854,520 .00 
12,071,900 00 


. 4,211 

13 

220 


$21,782,620 00 

$10,778 00 
36,831 00 


233 

219 


$47,609 00 
31,368 00 


14 


$16,241 00 



298 



WORLD ACCIDENT INSURANCE CO. 



WORLD ACCIDENT INSURANCE COMPANY, BOSTON, MA 

[Incorporated Sept. 2, 1893. Commenced business Nov. 7, 1883.] 

J. Albion Briggs, President. Benj. F. Badger, Jr., Secretary. 

Office, 539 Exchange Building. 



Income during 1893. 

For membership fees, 

For assessments, mortuary, $1,510.80 ; expense, $3.00, . 
From all other sources, 



Total income, 



$330 00 
1,618 80 

1,731 04 

fS.574 84 



Disbursements during 1893. 



For salaries and commissions to agents, 
salaries of officers and emplo}*ees, 
rent, advertising and printing, . 
incidental expenses, . 
Total disbursements, 



$183 84 




362 18 




197 22 




946 55 






1,989 79 





Balance, 



$1,585 05 



Net or Invested Assets. 



Cost value of bonds and stocks owned, . 

Cash in office, 

Cash in bank, 



Total net or invested assets, . 



$1,531 50 

20 00 

33 55 

$1,585 05 



Non-invested Assets. 
Interest due, $20.00 ; accrued, $6.67, 



Gross assets, 



26 67 



$1,611 72 



Liabilities. 

Salaries, rents and office expenses, . 
All other (not including contingent mortuary), 
Total actual liabilities, .... 

Balance, net assets, . . ■ ■ 



$58 33 
336 74 



395 07 



$1,216 65 



WORLD ACCIDENT INSURANCE CO. 



299 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments called and not yet due, . $357 90 

Mortuary assessments due and unpaid, . 



Total due from members, 
Deduct estimated cost of collection, . 

Net amount due from members, 



27 00 

$384 90 
38 49 



$346 41 



Total Business of 1893 (all Massachusetts Business). 

Number. Amount. 

Policies written during 1893, 585 $860,500 00 

Policies ceased during 1893, 6 8,750 00 



Policies in force Dec. 31, 1893, . 



579 $851,750 00 



FRATERNAL BENEFICIARY ASSOCIATIONS. 



Fkom their Annual Returns Dec. 31, 1893. 






SUMMARY OF STATEMENTS RECEIVED. 



AMERICAN LEGION OF HONOR, BOSTON. 

[Incorporated March 11, 1879. Commenced business Dec. 18, 1878.] 

John M. Gtvinnell, President. Adam Warnock, Secretary. 

Office, 200 Huntington Avenue. 

Income during 1893. 

For membershi]) fees, 38,731 50 

assessments, mortuary, $3,065,343.53; expense, $86,713.07, 3,152,056 60 

interest, 30,436 17 

All other, 33,358 44 

Total income, $3,221,582 71 

Balance on hand Dec. 31, 1892, 581,123 17 

Total, $3,805,705 88 

Disbursements during 1893. 



For losses and claims, 

dividends to certificate holders, 
salaries of officers and employees, 
loan returned, .... 
incidental expenses, . 
Total disbursements, 



$2,896,024 00 

173,840 50 

25,132 31 

3,000 00 

98,070 10 

3,196,066 91 



Balance, $609,638 97 



Net or Invested Assets. 

Cost of real estate, $111,288 12 

Cost value of bonds and stocks owned, 400,230 24 

Cash in office, 1,653 91 

Cash in bank, 96,466 70 



Total net or invested assets, $609,638 97 



304 AMERICAN LEGION OF HONOR. 



Liabilities. 

Losses adjusted, due and unpaid, . . . $14,000 00 

Bills payable, 953 32 

Total actual liabilities, .... $14,953 32 



Balance, net assets, f 594,685 65 



Condition of Reserve Fund. 

Deposited in State treasury, .... $370,000 00 
Other deposits and investments, . . . 217,273 86 

Total, $587,273 86 



Contingent Mortuary Assets (or Resources). 
Assessments due aud unpaid, $24,224 06 

Contingent Mortuary Liauiliti: 
Losses adjusted, not yet due (35), £ 9 4,500 00 



Total Business of 1893. 

Mass. Bcsin 
Number. Amount. Number. Amount. 

In force January 1, . .60,554 $163,607,000 00 5,200 $14,415,500 00 

Written during the year, . 7,093 11,233,000 00 420 556,000 00 



Total, .... 67,647 $174,840,000 00 5,620 $14,971,500 00 
Ceased during the year, . . 7,571 15,367,000 00 498 1,885,500 00 



In force December 31, . . 60,076 $159,473,000 00 5,122 $13,086,000 00 

Claims unpaid January 1, . 49 $126,500 00 3 $13,000 00 

Claims incurred during the year, 998 2,764,500 00 54 125,000 00 



Total 1,047 $2,891,000 00 57 $138,000 00 

Claims paid during the year, . 1,007 2,782,500 00 52 126,000 00 



Claims unpaid December 31, . 40 $108,500 00 5 $12,000 00 



NEW ENGLAND COMMERCIAL TRAVELERS' ASSOCIATION. 305 



NEW ENGLAND COMMERCIAL TRAVELERS' ASSOCIATION, 

BOSTON. 

[Incorporated Oct. 15, 1877. Commenced business Jan. 24, 1877.] 

Albert Pitts, President. Walter P. Tilton, Secretary. 

Office, 67 Chauncy Street. 

Income during 1893. 

For membership fees, $245 00 

annual dues, 3,290 00 

assessments, mortuary, 86,130 00 

interest, 1,561 26 

all other, 409 08 



Total income, $9 1,635 34 

Balance on hand Dec. 31, 1892, 29,373 73 



Total, $121,009 07 

Disbursements during 1893. 
For losses and claims, $93,000 00 



salaries of officers and employees, 
medical examiner's fees, . 
incidental expenses, . . , 
Total disbursements, . 



1,350 00 

4 00 

1,757 23 



96,111 23 



Balance, ?24,897 84 

Net or Invested Assets. 

Cost value of bonds and stocks owned, $16,816 25 

Cash in office, 2,611 89 

Cash in bank, 5,469 70 



Total net or invested assets, ...... $24,897 84 

. Liabilities. 
Losses adjusted, due and unpaid, $3,000 00 

Condition of Reserve Fund. 

Deposited in State treasury, .... $16,000 00 
Other deposits and investments, . . . 4,397 84 

Total, $20,397 84 



306 



EQUITABLE AID UNION. 



Total Business of 1893. 

Mass. Bcsivkss. 
Number. Amount. Number. Amount. 



In force January 1, . . , 
Written during the year, . 


1,782 
50 


$5,346,000 00 1,330 
150,000 00 41 


$3,990,000 00 
12:5,000 00 


Total, . 
Ceased during the year, . 


1,832 
. 256 


$5,496,000 00 1,371 
768,000 00 187 


$4,113,000 00 
561,000 00 


In force December 31, 

Claims unpaid January 1, 
Claims incurred during the year 


1,576 

1 
30 

31 
31 


$4,728,000 00 1,184 

$3,000 00 1 
90,000 00 24 


$3,552,000 00 

$3,000 00 
72,000 00 


Total 

•Claims paid during the year, 


$93,000 00 25 
93,000 00 25 


$75,000 00 
75,000 00 



"EQUITABLE AID UNION," COLUMBUS, PEXN. 

[Incorporated March 22, 1879. Commences business April 25, 1879.] 

Ail^ert Morgan, President. John T. Irvin, Secretary. 

Income during 1893. 

For annual dues, $32,418 11 

assessments, mortuary, 847,145 45 

medical examiner's fees paid by applicant, . . . 201 50 

interest, 1,682 42 

Allother, . 2,995 22 

Total income, $884,442 70 

Balance on hand Dec. 31, 1892, 33,01139 

Total, $917,454 09 



Disbursements during 1893. 



For losses and claims, 

Returned to grand unions, 

For salaries of officers and employees, 

organizing unions, 

legal expenses, .... 

incidental expenses, . 
Total disbursements, 



$850,582 67 

8,274 80 

14,299 81 

5,497 86 

457 73 

11,040 06 



890,152 93 



Balance, . 



627,301 16 



EQUITABLE AID UNION. 307 



Net or Invested Assets. 

Cost of real estate, $7,000 00 

Cash in bank, 20,301 16 



Total net or invested assets, ...... $27,301 16 

Assets Unadmitted. 

Per capita tax due from sub-unions, . . $18,104 27 
Office furniture, supplies, etc., . . ... 5,395 59 



Total, ....... |23,499 86 

Liabilities. 

Losses adjusted, due and unpaid, . . . $7,000 00 

Due grand unions, 3,549 50 

Total actual liabilities, , . . 10,549 50 



Balance, net assets, ....... $16,751 66 

Contingent Mortuary Assets (or Resources). 
Assessments called and not yet due, . . $74,863 60 
Assessments not yet called, for losses resisted, 77,000 00 

Net amount due from members, . , $151,863 60 

Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (158), . . . . . - • $206 : 950 00 



Total Business of 1893. 

Mass. Business. 
Number. Amount. Number. Amount. 

In force January 1, . . . 37,524 $58,186,915 00 987 $1,626,845 00 
Written during the year, . . 2,408 2,729,815 00 41 57,000 00 



Total, . . . .39,932 $60,916,730 00 1,028 $ 1,683,845 00 
Ceased during the year, . . 8,738 13,322,005 00 261 405,405 00 



In force December 31, . . 31,194 $47,594^25 00 767 $1,278,440 00 

Claims unpaid January 1, . 142 $186,212 50 5 $7,385 00 

Claims incurred during the year, 704 878,320 17 13 11,997 43 



Total, .... 846 $1,064,532 67 18 $19,382 43 
Claims paid during the year, . 684 850,582 67 16 15,682 43 



Claims unpaid December 31, . 162 $213,9?0 00 2 $3,700 00 



308 FRATERNAL ACCIDENT ASSOCIATION OF AMERICA. 



FRATERNAL ACCIDENT ASSOCIATION OF AMERICA, WEST- 
FIELD, MASS. 

[Incorporated April 12, 1887. Commenced business May 4, 1887.] 

James Noble, Jr., President. H. N. Kingsbury, Secretary, 

Income during 1893. 

For membership fees, , $12,310 00 

annual dues, 21,3-47 00 

assessments, -42,094 00 

All other,* 9,782 00 



Total income 186,133 00 

Balance on hand Dec. 31, 1892, 9,640 64 



Total, |95 v 773 G4 

Disbursements during 1893. 
For losses and claims, $49,936 42 



preliminary organization, . 
salaries of officers and employees, 
incidental expenses, . 
Total disbursements, 



Balance, 



22,380 60 
8,280 61 
4,759 54 



85,357 17 
$10,416 47 



Net or Invested Assets. 

Cash in office, $7,778 22 

Cash in bank, 2,638 25 



Total net or invested assets, ...... $10,416 47 

Liabilities. 
Borrowed money, ......... 6,000 00 

Balance, net assets, . $4,416 47 

Condition of Reserve Fund. 

Deposits and investments, . $10,416 47 

i 

Contingent Mortuary Assets (or Resources). 

Assessments called and not yet due, . . £2,542 00 

Assessments not yet called for losses unadjusted, 12,192 00 

Net amount due from members, . . 814,734 00 

Contingent Mortuary Liabilities. 
Losses resisted (2), ......... $10,00000 



ANCIENT ORDER OF FORESTERS OF AMERICA. 309 



Total Business of 1893. 

Mass. Bcsiness. 
Number. Amount. Number. Amount. 

In force January 1, . . . 9,482 $27,572,690 00 3,083 $9,698,300 00 
Written during the year, . . 2,973 7,908,650 00 146 463,750 00 



Total, .... 12,455 $35,481,340 00 3,229 $10,162,050 00 
Ceased during the year, . . 3,820 10,373,250 00 572 1,790,250 00 



In force December 31, . . 8,635 $25,108,090 00 2,657 $8,371,800 00 

Claims incurred during the year, 641 §59,936 00 88 $9,443 00 

Claims paid during the year, . 639 49,936 00 88 9,443 00 



Claims unpaid December 31, . 2 $10,000 00 



ANCIENT ORDER OF FORESTERS OF AMERICA, BROOKLYN, N. Y. 

[Commenced business Oct. 1, 1876.] 

Lewis Thorne, President. E. M. McMurtry, Secretary. 

Income during 1893. 

For membership fees, $866 66 

For assessments, mortuary, ,.,.,.. 50,179 50 

Total income, $51,046 16 

Balance on hand Dec. 31, 1892, 6,198 80 

Total, $57,244 96 

Disbursements during 1893. 

For losses and claims, $55,500 00 

salaries of officers and employees, . . 300 00 

incidentals, 495 56 

Total disbursements, .... 56,295 56 

Balance, $949 40 

Net or Invested Assets. 
Cash in bank, $949 40 

Contingent Mortuary Assets (or Resources). 
Assessments called and not yet due, . . $5,100 00 

due and unpaid, .... 200 00 

reported, 6,800 00 

Net amount due from members, . . $12,100 00 



310 SUP. COMMANDERY, UNITED ORDER GOLDEN CROSS 01 WORLD. 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (7), . . . $7,000 00 

iu process of adjustment (2), . . 1,500 00 

reported, not in process (2), . . 2,000 00 

Total contingent mortuary liabilities, . 



$10,500 00 



Total Business of 1893. 

Mass. 
Number. Amount. Number. 



BC8INK8S. 

Amount. 



In force January 1, . 
Written during the year, 

Total, 
Ceased during the year, 

In force December 31, 



Claims unpaid January 1, 
Claims incurred during the year 

Total, . 
Claims paid during the year, 



2,497 $2,550,000 00 129 
262 300,000 00 9 



2,759 $2,850,000 00 138 
686 873,500 00 42 



24 $28,000 00 1 

33 38,000 00 1 



57 $66,000 00 
46 55,500 00 



Claims unpaid December 31, . 11 $10,500 00 



$148,000 00 
lu,500 00 



$158,500 00 
30,500 00 



2,073 $1,976,500 00 96 $128,000 00 



$2,000 00 
1,000 00 



$3,000 00 
3,000 00 



"SUPREME COMMANDERY, UNITED ORDER OF THE GOLDEN 
CROSS OF THE WORLD/' KNOXVILLE, TENN. 

[Incorporated July 4, 1876. Commenced business July 4, 1876.] 

Fessenden I. Day, President. W. R. Cooper, Secretary. 



Income durlng 1893. 

For membership fees, . • . . . 

per capita tax, ...... 

assessments, mortuary, .... 

medical examiners 1 fees paid by applicant, 

interest, ... . . . 

All other, ........ 



Total income, . 
Balance on hand Dec. 31, 1892, 



$4,707 00 
9,432 89 
350,812 48 
2,070 50 
2,960 70 
3,609 60 

$373,593 17 
12,498 77 



Total, $386,091 94 



SUP. COMMANDERY, UNITED ORDER GOLDEN CROSS OF WORLD. 311 



Disbursements during 1893. 



For losses and claims, 

salaries of oflicers and employees, 
medical examiners' fees, . 
incidental expenses, . 
Total disbursements, 



$343,263 41 

8,660 66 

2,070 50 

14,440 20 



$368,434 77 



Balance, $17,657 17 

Net or Invested Assets. 
Cash in office, $17,657 17 



Liabilities. 

Losses adjusted, due and unpaid, 

Rents due, 

Dividend obligations, . . 
All other (not including contingent mortuary) 
Total actual liabilities, . 

Balance, net assets, 



$2,000 00 




75 00 




104 50 




397 60 






2,577 10 




• • • • 


$15,080 07 



Contingent Mortuary Assets (or Resources). 

Assessments called and not yet due, . . $24,250 00 

due and unpaid, .... 1,850 00 

not yet called for losses unadjusted, 24,500 00 

Net amount due from members, . . $50,600 00 

Contingent Mortuary Liabilities. 

Losses in process of adjustment (7), . . $12,000 00 

reported, not in process (18), . . 29,500 00 

resisted (1), 2,000 00 

Total contingent mortuary liabilities, . $43,500 00 



In force January 1, . 
Written during the year, 

Total, . 
Ceased during the year, 

In force December 31, 

Claims unpaid January 1, 

Claims incurred during the year, 229 

Total, .... 256 
Claims paid during the year, . 229 



Total Business of 1893. 

Mass. Business. 
Number. Amount. Number. Amount. 

. 20,257 $29,607,500 00 6,178 $9,728,000 00 
. 3,394 4,412,000 00 811 1,054,000 00 



23,651 $34,019,500 00 6,989 $10,782,000 00 
, 1,544 2,222,500 00 353 608,500 00 



22,107 $31,797,000 00 6,636 $10,173,500 00 



27 



$44,637 00 
359,000 00 



14 

70 



$20,637 00 
119 500 00 



$103,637 00 
343,263 00 



84 
76 



$140,137 00 
122,155 00 



Claims unpaid December 31, 



27 



§60,37-4 00 8 $17,982 00 



312 



SUPREME CONCLAVE IMPROVED ORDER HEPTASOPH8. 



"SUPREME CONCLAVE IMPROVED ORDER HEPTASOPHS," * 

BALTIMORE, MD. 

[Incorporated Aug. 28, 1878. Commenced business Aug. 28, 1878.] 

F. L. Brown, President. Edwin Eareckson, Secretary. 



Income during 1893. 

For membership fees, .... 

per capita tax, 

assessments, mortuary, 

medical examiners' fees paid by applicant, 

interest, 

All other, 

Total income, 

Balance on hand Dec. 31, 1892, 



$23,352 00 

12,657 

19-l,o88 09 

18 00 

721 50 

3,558 45 

|240,715 79 

26,570 32 



Total, $267,286 11 



Disbursements during 1893. 



For losses and claims, .... 
salaries and commissions to organizers, 
salaries of officers and employees, . 
medical examiners' fees, . 

all other, 

Total disbursements, . . 



$179,000 00 

6,422 25 

6,241 62 

5,838 00 

32,596 11 



230,097 98 



Balance, $37,188 13 



Net or Invested Assets. 



Cash in office, 
Cash in bank, 



Total net or invested assets, . 



$5 20 

37,182 93 

$37,188 13 



Liabilities. 



Losses adjusted, due and unpaid, 
Borrowed money, 

Total actual liabilities, . 

Balance, net assets, 



$12,000 00 
3,000 00 



15,000 00 
$22,188 13 



* Admitted to Massachusetts July 10, 1893. 



ROYAL SOCIETY OF GOOD FELLOAVS. 



313 



Total Business of 1893 



In force January 1, . 
Written during the year, . 

Total, .... 
Ceased during the year, . 

In force December 31, 

Claims unpaid January 1, 
Claims incurred during the year, 

Total, .... 
Claims paid during the year, . 

Claims unpaid December 31, . 



Number. Amount. 

11,914 822,835,000 00 
3,892 7,389,000 00 



15,806 $30,224,000 00 
737 1,374,000 00 



15,069 $28,850,000 00 

6 $12,000 00 
87 179,000 00 



93 $191,000 00 
87 179,000 00 



6 $12,000 00 



"ROYAL SOCIETY OF GOOD FELLOWS," RHODE ISLAND. 

[Incorporated Feb. 23, 1882. Commenced business April, 1882.] 

W. R. Spooner, President. D. Wilson, Secretary. 

Office, 180 Summer Street. 

Income during 1893. 

For membership fees, $4,995 00 

per capita tax, 18,195 83 

assessments, mortuary, 301,750 53 

interest, 419 16 

All other, 5,760 71 



Total income, $331,121 23 

Balance on hand Dec. 31, 1892, 5,598 46 



Total, $336,719 69 



Disbursements during 1893. 



For losses and claims, 

salaries of officers and employees, 
legal expenses, .... 
incidental expenses, . 

Total disbursements, . , 



$281,449 13 

13,078 17 

6,000 00 

15,260 54 



315,787 84 



Balance, . 



$20,931 85 



314 EOYAL SOCIETY OF GOOD FELLOWS. 

Net or Invested Assets. 
Cash in office, $20,931 85 

Non-invested Assets. 

Stock on hand, $4,607 14 

All other, 157 00 

Total non-invested assets, . . . 4,7C4 14 

Gross assets, ......... $25,695 99 

Liabilities. 

Losses adjusted, due and unpaid, . . . $2,000 00 

All other (not including contingent mortuary), . . . 364 80 

Balance, net assets, $25,331 19 

Contingent Mortuary Assets (or Resources). 

Assessments called and not yet due, . . $20,800 00 
due and unpaid, .... 900 00 
not yet called for losses unadjusted, 50,300 00 
Net amount due from members, . . $72,000 00 

Contingent Mortuary Liabilities. 

Losses reported, not in process (33), . . $76,000 00 

Losses resisted (6), 13,000 00 

Total contingent mortuary liabilities, . $89,000 00 

Total Business of 1893. 

Mass. Business. 
Xumber. Amount. Number. Amount. 

In force January 1, . . . 10,207 $24,934,500 00 4,694 $11,463,000 00 
Written during the year, . . 2,035 3,063,000 00 423 612,500 00 

Total, .... 12,242 $27,997,500 00 5,117 $12,075,500 00 
Ceased during the year, . . 1,566 3,191,000 00 374 941,500 00 

In force December 31, . . 10,676 $24,806,500 00 4,743 $11,134,000 00 

Claims unpaid January 1, . 27 $66,000 00 14 $32,000 00 

Claims incurred during the year, 131 321,000 00 51 121,000 00 

Total, .... 158 $387,000 00 65 $153,000 00 
Claims paid during the year, . 119 . 296,000 00 53 118,628 00 

Claims unpaid December. 31, . . . 39 . $91,000 00 12 $34,372 00 



SUPREME COUNCIL OF THE HOME CIRCLE. 315 



SUPREME COUNCIL OF THE HOME CIRCLE, BOSTON. 

[Incorporated Jan. 13, 1880. Commenced business Nov. 5, 1879.] 

U. W. Tomkins, Preside?it. Julius M. Swain, Secretary. 

Office, 120 Tremont Street 

Income during 1893. 

For assessments, mortuary, $144,737.87 ; expense, $8,040.84, . $152,778 71 
All other, 2,105 23 

Total income, $154,883 94 

Balance on hand Dec. 31, 1892, 757 76 

Total, $155,641 70 

Disbursements during 1893. 

For losses and claims, $144,500 00 

salaries of officers and employees, . . 4,136 00 

incidental expenses, 6,615 46 

Total disbursements, .... 155,251 46 

Balance, $390 24 

Net or Invested Assets. 
Cash in office, $390 24 

Non-invested Assets. 

Office furniture, ...... $1,500 00 

Supplies, 800 00 

Bills receivable, 8,600 00 

Gross assets, $8,990 24 

Liabilities. 
Losses adjusted, due and unpaid, ...... 8,000 00 

Balance, net assets, $990 24 

Contingent Mortuary Assets (or Resources). 
Assessments called and not yet due, ..... $8,100 00 

Contingent Mortuary Liabilities. 
Losses in process of adjustment (6), . . . . . $8,000 00 



316 THE SUPREME LODGE KNIGHTS AND LADIES OF HONOR. 



Total Business of 1893. 



In force January 1, . 

Written during the year, . . 


Number. Amount. 1 

6,531 $14,755,500 00 
702 1,077,000 00 


Mass 
dumber. 

2,607 
157 

2,764 
132 

2,632 

2 
23 

25 
23 

2 


Business. 

Amount. 

$6,000,000 00 
210,000 00 


Total, . 
Ceased during the year, . 


7,233 $15,832,500 00 
467 995,500 00 


$6,210,000 00 
260,500 00 


In force December 31, 

Claims unpaid January 1, 
Claims incurred during the year, 


6,766 $14,837,000 00 

9 $24,000 00 
57 128,500 00 


$5,949,500 00 

$3,000 00 
43,500 00 


Total 

Claims paid during the year, . 


66 $152,500 00 
60 144,500 00 


$46,500 00 
43,500 00 


Claims unpaid December 31, . 


6 $8,000 00 


$3,000 00 



"THE SUPREME LODGE KNIGHTS AND LADIES OF HONOR," 

INDIANAPOLIS, IND. 

[Incorporated April 5, 1878. Commenced business Sept. 19, 1877.] 

L B. Lockard, President. C. W. Harvey, Secretary. 



Income durin 
For membership fees, 

per capita tax, .... 

assessments, mortuary, 

interest, 

All other, 



Total income, . 
Balance on hand Dec. 31, 1892, 



Total, 



G 1893. 



$9,896 50 

24,050 67 

1,035,429 10 

691 35 

4,324 55 

$1,074,392 17 

17,951 87 



$1,092,344 04 



Disbursements during 1893. 

For losses and claims, $957,000 00 

salaries of officers and employees, . . 21,913 20 

organizing, 5,469 25 

legal expenses, 1,802 34 

incidental expenses, 14,439 92 

Total disbursements, .... 



Balance, 



Net or Invested Assets. 

Cash in office, 

Cash in bank, 

Supplies and furniture, * 

Due from ex-supreme treasurer, .... 

Total net or invested assets-, , , , 



1,000,624 71 

$91,719 33 

61,248 94 

70,022 41 

4,689 92 
15,758 

£91,719 33 



THE SUPREME LODGE KNIGHTS AND LADIES OF HONOR. 317 



Not admitted. 

Supplies and furniture, $4,689 92 

Due from ex-supreme treasurer, . . . 15,758 06 

$20,447 98 



Balance, $71,271 35 

Non-invested Assets. 

Interest due, . $48 60 

Bills receivable, 12,616 93 

Total non-invested assets, . . . 12,665 53 

Gross assets, $83,936 88 

Liabilities. 

Losses adjusted, due and unpaid, . . . $85,500 00 
All other (not including contingent mortuary), 10 89 

Total actual liabilities, . ". . . 85,510 89 

Balance against company, $1,574 01 

Contingent Mortuary Assets (or Resocrces). 

Assessments called and not yet due, . . $74,986 60 
Assessments due and unpaid, .... 111,283 50 

Total due from members, . . . $186,270 10 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (90), . . . $115,000 00 

in process of adjustment (20), . . 23,8-i3 33 

reported, not in process (72), . . 85,000 00 

Total contingent mortuary liabilities, . $223,833 33 



In force January 1, . 
Written during the year, 

Total, . 
Ceased during the year, 

In force December 31, 



Total Business of 1893. 

Mass. Business. 
Number. Amount. Number. Amount. 

. 64,657 $78,963,000 00 2,088 $2,327,000 00 
. 8,854 10,703,500 00 127 146,000 00 



.73,511 $89,666,500 00 2,215 $2,473,000 00 
. 5,995 7,507,500 00 48 39,000 00 



.67,516 $82,159,000 00 2,167 $2,434,000 00 



Claims unpaid January 1, . 156 $190,833 00 6 $6,000 00 

Claims incurred durmg the year, 867 1,075,500 00 25 27,000 00 



Total, .... 1,023 1,266,333 00 31 33,000 00 

Claims paid during the year, . 772 957,000 00 25 27,000 00 

Claims unpaid December 31, . 251 $309,333 00 6 $6,000 00 



318 



SUPREME LODGE KNIGHTS OF HONOR. 



"SUPREME LODGE KNIGHTS OF HONOR," ST. LOUIS, MO. 

[Incorporated March, 1876. Commenced business Jan. 1, 1873.] 

Marsden Bellamy, President. B. F. Nelson, Secretary m 

Income during 1893. 



For membership fees, 
annual dues, 
assessments, 
interest, 

All other, . 

Total income, 
Balance on hand Dec 

Total, . 



31, 1892 



|20,411 00 

32,397 87 
4,020,074 38 

4,533 79 
5,176 36 

£4,082,593 40 
24,578 89 

§1,107,172 29 



Disbursements during 1893. 



For losses and claims, 

organizing, .... 

salaries of officers and employees, 
medical examiners 1 fees, . 
legal expenses, .... 
incidental expenses, . . 
Total disbursements, 

Balance, 



$4,017,485 89 

8,805 50 

41,491 58 

220 70 

5,003 57 

20,866 43 



4,093,873 67 
313,298 02 



Net or Invested Assets. 
Cash in bank, ? 13,298 62 



Non-invested Assets 

Bills receivable, 

Furniture and supplies, ..... 



1,617 27 



§10,487 40 



Gross assets, 



§14,915 89 



Liabilities. 



Bill payable, 



6 82 



. Balance, net assets, ....... $14,909 07 



Contingent Mortuary Assets (or Resources). 
Assessments in process of collection, ..... $638,871 10 



ENDOWMENT RANK KNIGHTS OF PYTHIAS. 



319 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (128), . . . $250,500 00 
Losses in process of adjustment (122), . . 232,500 00 

Total contingent mortuary liabilities, . $483,000 00 



In force January 1, 
Written during the year 

Total, . 
Ceased during the year, 

In force December 31, 



Total Business of 1893. 

Mass. Business. 
Number. Amount. Number. Amount. 

.127,073 $241,045,000 00 9,299 $17,914,000 00 
. 9,321 15,212,000 00 610 903,000 00 



136,394 $256,257,000 00 9,909 $18,817,000 00 
13,040 23,487,500 00 674 1,241,500 00 



123,354 $232,769,500 00 9,235 $17,575,500 00 



Claims unpaid January 1, . 246 $472,000 00 11 $22,000 00 

Claims incurred during the year, 2,062 3,992,500 00 153 300,500 00 

Total 2,308 $4,464,500 00 164 $322,500 00 

Claims paid during the year, 2,058 3,981,500 00 148 290,500 00 

Claims unpaid December 31, . 250 $483,000 00 16 $32,000 00 



ENDOWMENT RANK KNIGHTS OF PYTHIAS, CHICAGO, ILL. 

[Incorporated Oct. 5, 1875. Commenced business Nov. 1, 1877.] 

J. A. Hinsey, President. H. B. Stolte, Secretary. 



Income during 1893. 



For assessments, 
For interest, 
All other, . 



Total income, . . . 
Balance on hand Dec. 31, 1892, 



Total, 



Disbursements during 1893. 

For losses and claims, $802,900 00 

salaries of officers and employees, . . 8,987 59 

organizer's expenses, .... 13,735 24 

legal expenses, 3,273 47 

incidental expenses, . . . . . 11,645 30 
Total disbursements, 

Balance, . . . 



$875,731 35 
8,165 22 
6,647 25 

$890,543 82 
124,153 54 



$1,014,697 36 



840,541 60 
$174,155 76 



320 ENDOWMENT RANK KNIGHTS OF PTTHIAfl. 



Net ok Invested Assets. 

Loans on mortgages, $ 8,500 00 

Loans secured by pledge of bonds, stocks, etc., . . . 25,000 

Cost value of bonds and stocks owned, 96,445 00 

Cash in bank, 44,21' 



Total net or invested assets, $174, 155 70 



NON-INTESTED ASSETS. 

Interest accrued, $5,918 51 

Market value of bonds and stocks over cost, . 4,645 00 
Total non-invested assets, . . . 



Gross assets, £ 184,71 

Contingent Mortuary Assets (or Resources). 
Assessments due and unpaid, ....... ,025 10 

Contingent Mortuary Liabilitif 

Losses in process of adjustment (25), . . $59,000 00 
reported, not iu process (18), . . 35,000 00 

resisted (26), 68,000 00 

Total contingent mortuary liabilities, . $162,000 00 



In force January 1, . 
Written during the year, 

Total, . 
Ceased during the year, 

In force December 31, 



Total Business of 1893. 

Mass. BrsixEsa. 

Number. Amount. Number. Amount. 

. 30,225 £64,741,000 00 567 * 1,038,000 00 
. 5,107 11,239,000 00 22 38,000 00 



.35,332 $75,980,000 00 589 $1,076,000 00 
. 2,410 5,221,000 00 24 48,000 00 



.32,922 $70,759,000 00 565 ? 1,028,000 00 



Claims unpaid January 1, . 54 $123,000 00 2 $3,000 00 

Claims incurred during the year, 3S0 855,000 00 13 31,000 00 



Total, .... 434 $978,000 00 15 $34,000 00 
Claims paid during the year, . 365 816,000 00 12 27,000 00 



Claims unpaid December 31, . 69 $162,000 00 3 $7,000 00 



MASONS FRATERNAL ACCIDENT ASSOCIATION OF AMERICA. 321 



MASONS FRATERNAL ACCIDENT ASSOCIATION OF AMERICA, 

WESTFIELD, MASS. 

[Incorporated Aug. 15, 1887. Commenced business Oct. 1, 1887.] 

William Provin, President. Jambs A. Lakin, Secretary. 



Income during 1893. 



For membership fees, 
annual dues, 
assessments, 
interest, 

All other, . 

Total income, 
Balance on hand Dec 

Total, . 



31, 1892, 



$16,390 00 

37,889 50 

74,203 50 

720 20 

5,000 00 

$134,203 20 

30,981 65 

$165,184 85 



Disbursements during 1893. 



For losses and claims, 

jn-eliminary organization, . 
salaries of officers and employees, 
medical examiners 1 fees, . 
incidental expenses, . 
Total disbursements, 

Balance, .... 



879,622 12 

24,783 33 

21,863 51 

803 00 

8,336 67 



135,408 63 
$29,776 22 



Net or Invested Assets. 

Cost value of bonds and stocks owned, 

Cash in office, 

Cash in bank, 

Total net or invested assets, 

Non-invested Assets. 

Furniture and fixtures, $2,215 94 

Market value of bonds and stocks over cost, .... 



$2,580 00 

1,156 94 

26,039 28 

$29,776 22 



33 00 



Gross assets, $29,809 22 

Liabilities. 

Borrowed money, $5,000 00 

Advance assessments, 1,412 00 

All other (not including contingent mortuary), 665 38 

Total liabilities, 7,077 38 



Balance, net assets, 



$22,731 84 



322 the national provident union. 

Condition of Reserve Fuwd. 

Deposits ami investments, . 

Contingent Mortuari Assets (<>n Hi 

Assessments called and not yet dne $19,621 50 

due and unpaid, . 6,*1!> • 

resisted, . 23,000 00 

Total due from members, $49,111 00 

Contingent Mortuari Liabiuttes. 

Losses resisted (5), ... $23,000 00 



Total Business of 1893. 

M ■ 
Number. Amount Number. tint. 

Enforce January 1, . .11,210 147,847,620 00 1,945 $8,274,440 

Written during the year 3,952 17,830,720 00 431 1379,160 00 



Total, . . . 15,162 $65,078,340 00 2,376 1 10,153 

Ceased during the year, . . 4,130 18,006,800 00 427 1,801.7. 



In force December 81, . .11,032 $47,071,540 00 1,949 18,291,880 00 

Claimsincurredduringtheyear, 790 $102,622 00 80 $11,751 00 
Claims paid during the year, . 7 79,622 00 80 11,75100 



Claims unpaid December 31, . 5 $23,00* I 



"THE NATIONAL PROVIDENT UNION," NEW YORK. X V 

[Re-incorporated Sept. 1, 1893. Commenced business March, 1SS3.] 

William H. McCabe, President. William J Gorsuch, Secretary 

Income diking 1S93. 

For per capita tax, $6,215 54 

For assessments, mortuary . 172,691 

All other 2 53 



Total income, $181,67". 

Balance on hand Dec. 31, 1892, . ... 



Total, $184, 

* Admitted to Massachusetts May 4, 1892. 



THE NATIONAL PROVIDENT UNION. 



323 



Disbursements during 1893. 



For losses and claims, 

organizing, ...... 

salaries of officers and employees, 

incidental expenses, . 
Total disbursements, 

Balance, 



$170,000 00 
1,491 84 
3,008 91 
5,202 51 



$179,703 20 



$4,896 82 



Net or Invested Assets. 



Cash in office, 

in bank, ..... 
in hands of ex-treasurer, 

Total net or invested assets, . 



$84 73 
1,457 18 
3,354 91 



$4,896 82 



Bills receivable, 
Supplies and furniture, 

Gross assets, . 



Non-invested Assets. 
?1,088 87 



0,019 68 



$10,916 50 



Liabilities. 

Salaries and office expenses due and accrued, . 
Borrowed money, $3,495.00 ; interest accrued 

on same, $78.60, 

Total actual liabilities, .... 

Balance, net assets, .... 



$465 06 
3,573 00 



4,038 00 



$0,877 84 



Contingent Mortuary Assets (or Resources). 

Assessments called and not yet due, . . $28,000 00 

due and unpaid, . . . 2,000 00 
notyet called for losses unadjusted, 

$30,000.00 ; resisted, $3,000.00, . 33,000 00 

Net amount due from members, . . $G 3, 000 00 



Contingent Mortuary Liabilities. 



Losses adjusted, not yet due (15), . 
in process of adjustment (2), 
reported, not in process (12), 

resisted (1), 

Total contingent mortuary liabilities, 



$31,000 00 

3,000 00 

20,000 00 

3,000 00 



.iioii mi 



324 



NEW ENGLAND OBDEB OF PROTECTION. 



Total Bi binesa <u 1893 



In force January 1, . 
Written during the year, . 

Total, 
Ceased during the year, 

In force December 31, 

Claims unpaid January 1, 
Claims incurred during the year, 

Total, .... 
Claims paid during the year, . 

Claims unpaid December 31, . 



Numb Amount. 

G,32G 112,969,000 00 

807 1,229,500 00 



7,133 $14,198,000 00 
1,823,500 00 



G,254 $12,375,000 00 

$45,000 00 
87 188,000 00 



107 $233,000 00 
77 170,000 00 



30 $63,000 00 



NEW ENGLAND ORDER OF PROTECTION, BOSTON. 

[Incorporated Nov. 12, 1S87. Commenced business Nov. IT, 1987.] 

Henry W. Oakes, President. Granville Cash, Secretary. 

Office, 43 Milk Street. 

Income during 1893." 



For membership fees, .... 

annual dues, 

assessments, mortuary. 

medical examiners' fees paid by applicant, 

interest, 

All other, 

Total income, 

Balance on hand Dec. 31, 1892, 



$9^65 

43,027 58 

157 

5,792 00 

200 00 

1,729 95 

$217,713 55 
237 08 



Total, 6217,950 63 



Disbursements during 1893. 



For losses and claims, 

organizing, etc., .... 
salaries of officers and employees, 
medical examiners 1 fees, . 
incidental expenses, . 

Total disbursements, . 



$154,249 38 

30,255 82 

5,298 96 

4,344 00 

18,703 70 



212,851 86 



Balance, 



$5,09- 71 



ODD FELLOWS* ACCIDENT COMPANY. 



325 



Net or Invested Assets. 



Cash in bank, 



$5,098 77 



Liabilities. 

Losses adjusted, due and unpaid, 

Balance, net assets, 



2,000 00 



$3,098 77 



Contingent Mortuary Assets (or Resources). 
Assessments called and not yet due, $12,408 40 



Total Business of 1893. 



In force January 1, . 
Written during the year, 

Total, . 
Ceased during the year, 

In force December 31, 



Mass. Business. 
Number. Amount. Number. Amount. 

. 11,476 $21,814,000 00 5,861 $11,739,000 00 
. 2,769 5,020,000 00 1,168 2,277,000 00 



. 14,245 $26,834,000 00 7,029 $14,016,000 00 
. 583 1,026,000 00 259 496,000 00 



13,662 $25,808,000 00 6,770 $13,520,000 00 



Claims unpaid January 1, 
Claims incurred during the year, 

Total, 

Claims paid during the year, . 

Claims unpaid December 31, . 



83 
81 



$2,000 00 
152,000 00 

$154,000 00 
152,000 00 

$2,000 00 



1 
47 



48 
47 



1 



$1,000 00 
85,000 00 



$86,000 00 
85,000 00 



$1,000 00 



ODD FELLOWS' ACCIDENT COMPANY, BOSTON. 

[Incorporated Aug. 17, 1892. Commenced business Aug. 18, 1892.] 

John J. Whipple, President. Jay B. Crawford, Secretary. 

Office, 131 Devonshire Street. 



Income during 1893. 
For membership fees, 
annual dues, 
assessments, mortuary, 

Total income, 
Balance on hand Dec. 31, 1892, 

Total, , 



$29,510 00 

9,030 00 

1S,060 00 

$56,600 00 
112 47 

$56,712 47 



326 



I'MTEI) ORDEB < >F THE FIFCFFM FATII1 



Disbursements during 1893. 



For losses and claim-, 

preliminary organization, . 
salaries of officers and employ 

medical examiners 1 ices, 
incidental expenses, . 
Total disbursements, 



$10,0 
29*510 wo 

21 
1,224 24 



Balance, 



( Sash in office, 

Cash in bank, 



Net ob Invested Assets. 



Total net or invested as 

Liabilities. 

Advance assessments, .... 

Balance, net assets, 



Total Business of 1£ 



$49,11- 
17*563 



$3,914 G7 
3,6 1 

17,563 88 



. 



17,47 



In force January 1, . 
Written during the year, 

Total, . 
jed during tin- year, 

In force December 31, 



Mas?. ROUIMi 
Number. Amount. Number. Amount. 

1,367 £4,7oG,< ?4,7ol,00< 

o/Ji'2 1G,5G5,200 00 2,o65 



7,269 821,:3ol,2oo 00 3, ( J31 $10,916,500 
3,971,750 oo 846 2,705,751 



5,940 $17,329,450 I I 



Claims incurred during the year, 22G 
Claims paid during the year, . 



|10,606 59 127 

10,608 59 127 



72 00 
72 00 



UNITED ORDER OF THE PILGRIM FATHERS, LA WHENCE, MASS 

[Incorporated March 15, 1S79. Commenced business March 15, 1879.] 

John L. Bates, President. Jakes E. Shepard, £<:<:retary. 



Income dures 

For annual dues. ...... 

assessments, mortuary. .... 

medical examiners' lees paid by applicant. 
All other, 

Total income, .... 
Balance on hand Dec. 31, l v 



..091 37 
63 
3,099 00 
2,o 11 

$276,244 96 
17^46 31 



Total. 



$294,091 27 



UNITED ORDER OF THE l'lLCRIM FATHERS. 



327 



Disbursements during 1893. 



For losses and claims, 

preliminary organization, 
salaries of officers and employees. 
medical examiners 1 fees, 
incidental expenses, . 
Total disbursements, 



Balance, . 

( lost value of stocks. 
Cash in bank, 



$261,100 00 

422 00 

6,378 02 

3,099 00 

7,860 91 



1278,859 93 



Net or Invested Assets. 



Total net or invested assets, 

Non-invested Assets. 
Market value of bonds and stocks over cost, .... 

Gross assets, 

Liabilities. 
Losses adjusted, due and unpaid,* 

Contingent Mortuary Assets (or Resources). 

Assessments called and not yet due, . . $38,500 00 
Assessments not yet called for losses unad- 
justed, $31,000 ; resisted, $13,000, . . 44,000 00 
Total due from members, . . . ■ 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (14), . . $25,000 00 

in process of adjustment (17), . . 31,000 00 

resisted (5), 9,000 00 

Total contingent mortuary liabilities, . 



$15,231 34 

$3,000 00 
12,231 34 

$15,231 34 

240 00 
$15,471 34 

$4,000 00 



$82,500 00 



$65,000 00 



In force January 1, 
Written during the year, 



Total Business oe 1893. 

Mass. Business. 
Number. Amount. Number. Amount. 

. 15,507 $26,549,060 00 11,523 $19,726,000 00 
. 2,072 3,294,970 00 1,614 2,490,000 00 



Total, . 
('eased during the year, . 


. 17,579 
. 616 

. 16,963 

28 
year, 163 

. 191 
ar, . 152 

31, . 39 


$29,844,030 00 
1,057,030 00 


13, 137 
469 

12,668 

22 

121 

146 

118 

28 


$22,216,000 00 
813,000 00 


In force December 31, . 

Claims unpaid January 1, 
Claims incurred during the 


$28,787,000 00 

|48,000 00 

283,000 00 


$21,403,000 00 

138,000 00 

217,000 00 


Total, . 
Claims paid during the ye 


$331,000 00 
262,000 00 


$255,000 00 
205,000 00 


Claims unpaid December 


$69,000 00 


$50,ooi) 00 



• Disputed beneficiaries in three claims. 



328 



ROYAL ARCANUM. 



ROYAL ARCANUM, BOSTON. 

[Incorporated Nov. 5, 1877. Commeuced business June 23, 1877.] 

II. II. C. Miller, President. \Y. 0. EtoBSOir, Secretary. 

Office, 407 Sim ir nail Art fl 



Income during 180:). 



For membership fees, 

per capita tax, . 

assessments, mortuary, 

interest and rents, 
All other, .... 

Total income, . 
Balance on hand Dec. SI, 1892, 

Total, . 



152,939 60 
46,704 94 

3,093,91' 
13,ol2 

12,072 



13,799,145 32 

381,244 91 



$4,180,390 23 



Disbursements during 1893. 



For losses and claims, 

preliminary organizations, 
salaries of officers and employ 
legal expenses, .... 
incidental expenses, . 
Total disbursements, 

Balance, 



$3,770,750 00 
10,041 25 
67,52; 

1,037 08 
29,240 00 



3,869,19- 
$311,191 13 



Net ok Invested Assets. 



Cost of real estate, . 
Cost value of stocks and bonds. 
Cash in office, .... 
Cash in bank, .... 

Total net or invested assets, 
Less depreciation, 

Total net or invested assets, 



$59,170 97 
10,000 00 

54 
241,965 74 

$311,191 43 
8,000 00 

$303,191 43 



Non-invested Asset 

Interest accrued, 
Rents due, . 
Per capita tax due, . 
Office furniture, etc.,. 

Total non-invested assets, 





$100 00 


. 


608 33 


$23^27 60 




9,126 20 





708 33 



Gross assets, $303,899 76 



ORDEK OF THE SCOTTISH CLANS. 329 



Liabilities. 

Losses adjusted, due and unpaid (12), . . $37,500 00 
All other (not including contingent mortuary), 1,002 54 

Total actual liabilities, .... $38,502 54 



Balance, net assets, $298,351 02 

Contingent Mortuary Assets (or Resources). 

Assessments called and not yet due, . . $253,553 31 
Assessments due and unpaid, .... 522 86 

Total due from members, . . . — $254,076 17 

Contingent Mortuary Liabilities. 

Losses in process of adjustment (8), . . §24,000 00 

reported, not in process (109), . . 318,000 00 

resisted (7), 19,500 00 

Total contingent mortuary liabilities, . $361,500 00 

Total Business of 1893. 

Mass. Business. 
Number. Amount. Number. Amount. 

In force January 1, . . 137,189 $401,083,500 00 14,218 $41,688,000 00 
Written during the year, . 16,086 45,609,000 00 1,195 3,450,000 00 



Total, . 
Ceased during the year, . 


153,275 $446,692,500 00 1 
4,849 13,944,000 00 


5,413 $ 
306 

5,107 $ 

14 

143 

157 
145 

12 


45,138,000 00 
895,500 00 


In force December 31, 

Claims unpaid January 1, 

Claims incurred during the 

year, .... 


148,426 $432,748,500 00 1 
120 $354,000 00 

1,307 3,820,500 00 


44,242,500 00 
$39,000 00 

423,000 00 


Total, . 
Claims paid during the year, 


1,427 
1,291 


$4,174,500 00 
3,775,500 00 


$462,000 00 
426,000 00 


Claims unpaid December 31, 


136 


$399,000 00 


$36,000 00 



ORDER OF THE SCOTTISH CLANS, ST. LOUIS, MISSOURI. 

[Incorporated July 5, 1881. Commenced business Nov. 30, 1878.] 

Walter Scott, Jr., President. Peter Kerr, Secretary. 

Principal Office, 587 Broadioay, So. Boston. 

Income during 1893. 
For assessments, mortuary, $76,000.00 ; expenses, $5,162.35, 



All other, 

Total income, . 
Balance on hand Dec. 31, 1892, 

Total, . 



181,162 35 
3,727 21 



$81,889 56 
999 22 

$85,888 78 



')«')<) OBDEB OF THE SCOTTISH CLANS. 



DISBURSEMENTS DURING 1893. 

For losses and claims, $ 72,500 (JO 

salaries of officers and employees, . 2,100 00 

incidental expenses, 1,777 16 

Total disbursements, .... $79,077 10 



Balance, $0,211 

Net ob Invested Assets. 

Cash in bank, $0,211 -Yi 

Liabilities. 

Losses adjusted due and unpaid, 



Balance, net assets, f 1,211 

Contingent Mortuary Assets (or Resourci 

Assessments called and not yet due, $15,000 00 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (10), . . ... $13,700 00 



Total BUSINESS of 1893. 

Mass. Bunmus. 
Number. Amount. Number. Amount. 

In force January 1, . .3,840 $5,880,100 00 *b§ $1,265,500 00 

Written during the year, . . 977 934,000 00 250 



Total, .... 4,817 $6,814,100 00 1,108 $1,502,500 
Ceased during the year, . . 788 1,111,800 00 1 258*500 00 



In force December 31, . . 4,029 $5,702,300 00 960 f 1,244,000 

Claims unpaid January 1, . 12 ? 17,500 00 4 £ 9, 000 00 

Claims incurred during the year, 54 73,700 Oo 16 27,000 00 

Total, 
Claims paid during the year, 

Claims unpaid December 31, 



00 


691,200 00 
.500 00 


20 
10 

10 


$36,00* 

10.000 00 


13 


$18,700 00 


$16,50- 



THE IMPERIAL COUNCIL OF ORDER OF UNITED FRIENDS. 331 



"THE IMPERIAL COUNCIL OF THE ORDER OF UNITED 
FRIENDS," POUGHKEEPSIE, N. Y. 

[Incorporated Dec. 2, 1881. Commenced business Dec. 2, 1881.] 

S. L. Malcolm, President. O. M. Siiedd, Secretary. 

Income during 1893. 

For assessments, mortuary, $496,610.75 ; expense, $9,559.50, . $506,170 25 

For interest, 320 00 

All other, 3,817 24 



Total income, $510,307 49 

Balance on hand Dec. 31, 1892, 6,658 88 



Total, $516,966 37 



Disbursements during 1893. 

For losses and claims, $488,611 47 

salaries of officers and employees, . . 10,300 00 

incidental expenses, 10,238 63 

Total disbursements, .... 509,150 10 



Balance, $7,816 27 



Net or Invested Assets. 

Cash in office, .,757 39 

Cash in bank 5,05S 88 



Total net or invested assets, $7,816 27 

Contingent Mortuary Assets (ok Resources). 

Assessments called and not yet due, . . $35,500 00 

Assessments due and unpaid, .... 10,120 00 

Total due from members, . . $45,62o no 

Contingent Mortuary Li abilities. 

Losses adjusted, not yet due (32), . . . 154,300 00 
Losses in process of adjustment (8), . . 13,000 00 

Total contingent mortuary liabilities, . $67,300 (in 



332 ANCIENT ORDER UNITED WORKMEN, GRAND LODGE MASS. 



In force January 1, . 
Written during the year, 

Total, . 
I sed during the year, 

In force December 31, 



Total Business of 1893. 

Mass. Bcsixem. 

Number. Amount. Number. Amount. 

. 20,014 |36,593,500 00 2,166 $4,347,000 00 
. 2,011 2,352,000 00 28G 368,50- 



. 22,925 £38,945,500 00 2,452 £4,715,500 00 
. 2,199 2,954,000 00 287 491,000 00 



.20,726 $35,991,500 QO 2,105 * 1,224,500 00 



Claims unpaid January 1, . 25 
Claims incurred during the year, 200 



$46,500 00 3 
434,611 00 43 



Total, .... 285 $181,111 00 40 
Claims paid during the year, . 241 413,81100 44 



Clai ins unpaid December 31, . 40 



$67,300 00 



$7,000 00 
00 



182,500 00 

77,500 00 



$5,000 00 



ANCIENT ORDER OF UNITED WORKMEN, GRAND LODGE OF 

MASSACHUSETTS. 

[Incorporated Feb. 9, 18S3. Commenced business Feb. 25, 1S70-] 

Albert G. Andrews, President, J. Edward Bubtt, Secretory. 

Office, 20 Beacon Street, Boston. 



Income duri* 

For assessments, mortuary, 

relief call, 

per capita tax, .... 

All other, 

Total income, .... 
Balance on hand Dec. 31, 1892, 

Total, 



'.,008 00 
35,793 00 
34.. 
10,144 83 



$533,150 33 

74.34.- 



$607,49'; 



DlSBUUSEMKNTS DURING 1893. 



For losses and claims, 

relief call, 

preliminary organizations, 
salaries of officers and emploj 
legal exnenses, .... 
incidental expenses, . 
Total disbursements, 

Balance, 



$474,000 00 

30,110 00 

•2 40 

:i 78 

26,191 15 



.751 03 
$63,745 03 



ANCIENT ORDER UNITED WORKMEN, GRAND LODGE MASS. 333 

Net or Invested Assets. 

Cash in office, $41,012 41 

Cash in bank, 22,732 62 



Total net or invested assets, $63,745 03 

Liabilities. 
Losses adjusted, due and unpaid, 14,000 00 



Balance, net assets, $49,745 03 



Total Business of 1893. 



Mass. Business. 
Number. Amount. Number. Amount. 

32,318 $64,636,000 00 17,636 $35,272,000 00 
6,008 12,016,000 00 3,483 6,966,000 00 



38,326 $76,652,000 00 21,119 $42,238,000 00 
884 1,768,000 00 441 882,000 00 



In force January 1 , . 
Written during the year, . 

Total, .... 
Ceased during the vear, . 

In force December 31, 

Claims unpaid January 1, 

Claims incurred during the year, 229 458,000 00 126 252,000 00 



37,442 $74,884,000 00 20,678 $41,356,000 00 
15 $30,000 00 11 $22,000 00 



Total, 244 $488,000 00 137 $274,000 00 

Claims paid dining the year,. . 237 474,000 00 131 262,000 00 



Unpaid December 31, . . 7 $14,000 00 6 $12,000 00 



LIFE, ACCIDENT AND CASUALTY 

INSURANCE COMPANIES 

OF OTHER STATES 

Authorized to do Business in Massachusetts, and the Amount of 

Business done, for the Year ending October 31, 1893, 

as returned to the Tax Commissioner, 

and by dim compiled. 



33 6 



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GENERAL AGENTS 



OF 



LIFE AND CASUALTY COMPANIES. 



GENERAL AGENTS. 



iEtna, 

American Surety Company, . 

Connecticut General, 
Connecticut Mutual, 

Employers' Liability, 
Equitable Life, 

Fidelity and Casualty, . 

Germania, .... 
Guarantee Co. of North America, 
Hartford Steam Boiler, . 

Home, 

Lawyers 1 Surety, . 

Lloyds Plate-Glass, 

Londou Guarantee and Accident, 

Manhattan, .... 

Metropolitan, .... 

Metropolitan Plate-Glass, 

Mutual, 

Mutual Benefit, 

National, 

New York, .... 
New York Plate-Glass, . 

New Jersey Plate-Glass, 



Northwestern Mutual, . 

Penn Mutual, . 
Provident Life and Trust, 



Chester, Dwight, Boston. 
O'Brion & Russell, Boston. 
Morse, Godfrey, Boston. 
Burke, Charles S., Boston. 
Williams, Geo. E., Boston. 
Fay, S. B., Springfield. 
Endicott, G. M , Boston. 
Appleton, Samuel, Boston. 
Warren, Nathan, Boston. 
Simons, Henry K , Springfield. 
Turner, John M., Northampton. 
Ellison, Coolidge & Co., Boston. 
Holden, Chas. W., Boston. 
Miiller, F. F., Boston. 
Gregerson, Geo. W., Boston. 
Roberts, C. E., Boston. 
Schneider, L. H., Boston. 
Sleeper, Harry G., Boston. 
Grinnell, L , & Co., New Bedford. 
O'Brion & Russell, Boston. 
Calef, Benj. S., Boston. 
Drouet, Charles, Boston. 
Folk, A. P., Boston. 
Hopkins, C. A., Boston. 
Sutton, Geo. II., Springfield, 
Hedges & Hodges, Boston. 
Phelps, Jas. T., Boston. 
Browne, A. S., Boston. 
Reed & Brother. Boston. 
Holden, Chas. W., Boston. 
Vestal, T. R., Fall River. 
Bache & Smith, Boston. 
Kilgore, J. M., Lowell. 
Priestly, George, New Bedford. 
Clark, Judson G., Springfield. 
Plympton & Bunting, Boston. 
Barnard Brothers, Boston. 
Hammer, Charles 1)., Boston. 



342 



GENERAL AGENTS. 



Provident Savings, . 
Standard Life and Accident, . 
Travelers 1 , .... 
Union Casualty and Surety Co., 

Union Central, 

Union Mutual, 

United Stat< 

United States Guarantee, 
Washington, .... 



Buckley, W. A., A Co., Boston. 
Bennett, D. W., A Co., Boston. 
Woodman, Stephen F., Boston. 
Carleton, Wm. A., Boston. 
Holway, D. N., Boston. 
Cornelius & Pond. Boston. 
Bridgham, EL C, I> rton. 
Sawyer, Fred. L., Cambrid 
Waite, L. B Springfield. 

Gregerson, Geo. W., Boston. 
Holden, Charles W., Boston. 



INDEX TO COMPANIES. 



[For Index to General Topics and Tables, see Table of Contents prefacing the 
Commissioner's Report.] 



LIFE, ACCIDENT AND GUARANTEE COMPANIES. 

Pagb 

iEtna (Life Department), 45 

JEtna (Accident Department), 199 

American Casualty and Security (Baltimore), vii 

American Employers' Liability, vii, 200 

American Mutual Liability, 202 

American Surety Company, 204 

Berkshire Life, 3 

Connecticut General Life, 57 

Connecticut Mutual Life, 62 

Conveyancers' Title Insurance Company, 206 

Employers' Liability, 207 

Equitable Life, 67 

Fidelity and Casualty, 210 

Fidelity and Deposit vii, 215 

Germania Life 76 

Guarantee Company of North America, 217 

Hartford Steam-Boiler, 210 

Home Life, 81 

John Hancock Mutual Life, vi, 9 

Lawyers Surety, 223 

Lloyds Plate-Glass, 224 

London Guarantee and Accident, 226 

Manhattan Life, 86 

Massachusetts Hospital Life vii 

Massachusetts Mutual Life, 17 

Massachusetts Title Insurance Company, 228 

Metropolitan Life, 95 

Metropolitan Plate-Glass, 229 

Mutual Life , 100 

Mutual Benefit Life, 114 

Mutual Boiler, Boston, ...,.,....,. 231 



344 INDEX TO COMPANIES. 

* ♦ 

Paok 

National Life, 122 

New England Mutual Life, 25 

New Jersey Plate-Glass 233 

New York Life, 130 

New York Plate-Glass, 

Northwestern Mutual Life, HO 

Penn Mutual Life, 145 

Provident Life and Trust, 153 

Provident Savings, 162 

Prudential of America, v 

Standard Life and Accident, 237 

State Mutual Life, 34 

Travelers' (Life Department), 166 

Travelers' (Accident Department), 239 

Union Casualty and Surety, St. Louis, vii. 

Union Central Life v, 174 

Union Mutual Life 170 

United States Guarantee Company, 24 4 

United States Life, 187 

Washington Life 102 



ASSESSMENT LIFE AND CASUALTY INSURANCE COMPANI! 

Atlantic and Pacific Mutual Accident Company (closed in 1893). 

Atlas Accident, 249 

Bankers' Life Association (St. Paul), 251 

Bay State Beneficiary Association, 253 

Berkshire Health and Accident, 254 

Boston Mutual Life Association 

Covenant Mutual Benefit Association (Illinois), 257 

Equitable Accident Association, 259 

Father Matthew Fraternal Accident Association, 260 

Fidelity Mutual Life Association, 262 

Hartford Life and Annuity Company, 261 

Home Relief Association, xv 

Maine Benefit Association, 266 

Massachusetts Benefit Association, 

Massachusetts Masonic Accident, 271 

Massachusetts Mutual Accident Association, 

Mercantile Benefit Association of New York, 274 

Mercantile Mutual Accident Association, 27 = > 

Mutual Benefit Life Association (New York), 277 

Mutual Reserve Fund Life Association (New York), 

National Life-Maturity, Washington, D. C , 

New England Live Stock, ■ 2S4 

New England Mutual Accident Association 2S6 

Northwestern Masonic Aid Association, 

Pioneer Life and Casualty, xv 

Provident Aid Society, Portland, Me., 290 

Security Live Stock, 292 

Security Mutual Life Association, 294 

United States Mutual Accident Association, 295 

World Accident Insurance Company, 29S 



INDEX TO COMPANIES. 



345 



FRATERNAL BENEFICIARY ASSOCIATIONS. 

Masonic. 

Pagk 

Boston Masonic Mutual Benefit Association, Ivi, lxxi 

Central Massachusetts Masonic Mutual Relief Association, .... Ivi-lxxi 

Eastern Massachusetts Masonic Mutual Relief Association, . . . . Ivi-lxxi 

Essex County Masonic Mutual Relief Association, Ivi-lxxi 

Lawrence Masonic Mutual Relief Association, Ivi-lxxi 

Masons Fraternal Accident Association of America, .... Ivi-lxxi, 321 

Masonic Equitable Accident Association of the World, Ivi-lxxi 

Masonic National Health anfl Accident, Ivi-lxxi 

Massachusetts Masonic Accident Association, Ivi-lxxi 

Massachusetts Masonic Mutual Relief Association, Ivi-lxxi 

National Masonic Aid Association Ivi-lxxi 

Right Arm Masonic Mutual Relief Association, Ivi-lxxi 

Southern Massachusetts Masonic Mutual Relief Association, . . . lvi-lxxii 

South Shore Masonic Mutual Relief Association lvi-lxxii 

Suffolk Masonic Mutual Relief Association, lvi-lxxii 

Union Masonic Mutual Relief Association (consolidated with Mass. Masonic 

Relief Association in 1892) . 
United States Masonic Accident Association (transferred to Masonic Equi- 
table Accident Association Jan. 1, 1893). 



Odd Fellows. 

Daughters of Rebekah Mutual Benefit Association, Ipswich, 

Odd Fellows Accident Company, lvii, 

Odd Fellows, Massachusetts Branch of the Independent Order of, Lowell, . 

Odd Fellows Death Benefit Association 

Odd Fellows Fraternal Accident Association of America, Westfield (changed 
to "Fraternal Accident Association of America"). 

Odd Fellows Mutual Benefit Association, Charlestown, 

Odd Fellows Mutual Benefit Association, Chelsea, 

Odd Fellows Mutual Benefit Association, Dorchester, 

Odd Fellows Mutual Benefit Association of Essex, North, Salem (dissolved 
by Supreme Court) . 

Odd Fellows Mutual Benefit Association, Lowell, 

Odd Fellows Mutual Benefit Association, Lynn, 

Odd Fellows Mutual Benefit Association, Provincetown, .... 

Odd Fellows Mutual Relief Association of the Conn. River Valley, Spring- 
field, 

Odd Fellows Mutual Relief Association of Worcester County, Worcester, . 

Odd FelL>ws New England Provident Association, East Cambridge, . 

Odd Fellows Protective Union, Boston, 



lvii, Ixxii 
lxxii, 325 
lvii, lxxii 
ivii, lxxii 



lvii, lxxii 
lvii, lxxii 
lvii, lxxii 



Ivii, lxxii 
lvii, lxxii 
lvii, lxxii 

lvii, lxxii 
lvii, lxxii; 
lvii, lxxiii 
lvii, lxxiii 



Other Secret. 



American Benefit Society, 
Alliance of the Commonwealth, 
American Home Protection, 
American Legion of Honor, • . 
Bay State Accident Association, 
Chevaliers and Ladies of Industry, 
Chevaliers of Pythias, 
Columbia, Order of, . 
Columbus, Ancient Order of, . 
Commercial Life Association, . 



. lvii, lxxiii 

. Ivii, lxxiii 

. lvii, lxxiii 

lvii, lxxiii, 303 

lviii 

lix, lxxv 

. lviii, lxxiii 

. lviii, lxxiii 

. lviii, lxxiii 

lviii 



346 INDEX TO COMPANIES. 

Page 

Druids, American Order of lviii, lxxiii 

Eagle Life Association, lviii, lxxiii 

Eastern Accident Association, lviii 

Equitable Aid Union, . . lviii, lxxiii, MM 

Foresters, Ancient Order, Endowment Fund, lviii. lxxiii, 309 

Foresters, Court General Shields, lviii, lxxiii 

Foresters, Court Jaques Cartier, lviii, lxxiii 

Foresters, Court Roxbury, lviii, lxxiii 

Fraternity, the Supreme Lodge of the Order of, lviii, lxxiii 

Fraternal Accident Association, lviii, Ixxiv, 308 

Fraternal Aid, Order of, •• . . . lviii-lxxiv 

Fraternal Helpers, American Order of, lviii.lxxiv 

Globe Life and Disability Association, lix-lxxiv 

Golden Cross, United Order of, lix-lxxiv, 310 

Golden Rule Alliance, lix-lxxiv, 313 

Good Fellows, Royal Society of, lix-lxxiv, 313 

Harvard Relief Association, lix-lxxiv 

Heptasophs, Improved Order of, lix-lxxxiv, 312 

Hibernians, Ancient Order, Board of Erin, lix 

Hibernians, Ancient Order, Division No. 6 lix-lxxiv 

Hibernians, Division No. 8, lix-lxxiv 

Hibernians, Division No. 8, Bristol County, lix-lxxiv 

Hibernians, Division No. 19, lix-lxxiv 

Hibernians, Ancient Order, Widows' and Orphans' Fund lix-lxxiv 

Home Benefit Association of New England, lix-lxxiv 

Home Circle, lix-lxxiv, 315 

Home Legion lix-lxxv 

Industry, Independent Chevaliers and Ladies of, lix-lxxv 

Independent Fraternal Union, lix-lxxv 

International Fraternal Alliance Knights of Columbus, . . . . lix, lxxv, 318 

Knights of Honor, lix-lxxv, 318 

Knights and Ladies of Honor, lx-lxxv, 316 

Knights and Ladies, Federation of Loyal, lx-lxxv 

Knights and Ladies, Royal Conclave of, lx-lxxv 

Knights of Pythias, Endowment Rank, lx-lxxv, 319 

Legion of Columbus, lx-lxxv 

Loyal Orange Institution, Grand Lodge lx-Jxxv 

Loyal Orange Institution, Maiden City Lodge, lx-lxxv 

Loyal Orange, Standish Lodge No. 90, lx-lxxv 

Massachusetts Good Tempiars Mutual Aid Association lx-lxxv 

Massachusetts United Benevolent Association, lx-lxxv 

New England, Order of lx-lxxv 

New England, Order of Protection, lx-lxxv, 324 

Northern Legion, lx-lxxv 

Northern Mutual Relief Association, Ix-lxxvi 

Odd Ladies Relief Fund Association Ix-lxxvi 

Pilgrim Fathers, United Order of, Ixi-lxxvi, 326 

Pilgrims o^ the Golden Circle, . Ixi-lxxvi 

Powhatan 'Benefit Association, Ixi-lxxvi 

Pythian Benevolent Association, '. Ixi-lxxvi 

Pythian Brotherhood, United, Ixi-lxxvi 

Red Men's Fraternal Accident Association, Ixi-lxxvi 

Red Star Relief Society Ixi-lxxvi 

Royal Arcanum, Ixi-lxxvi, 328 

Scottish Clans, American Order of, Ixi-lxxvi 

Scottish Clans, Order of, Ixi-lxxvi. 329 



INDEX TO COMPANIES. 



347 



Page 

Sons and Daughters of Maritime Provinces, lxi-lxxvi 

Sons of St. George, Friendship Lodge, Ixi-lxxvi 

Sons of St. George, Independent Order of, . lxi-lxxvi 

Sons of St. George, Merrimac Lodge, lxi-lxxvi 

Sons of St. George, Albion Lodge, lxi-lxxvii 

Suffolk Mutual Benefit Association, Ixi 

United American Mechanics, lxi-lxxvii 

United Fellowship, lxi-lxxvii 

United Friends, lxi-lxxvii, 331 

United Workmen, lxi-lxxvii, 332 



MISCELLANEOUS. 



ation, 



American Mutual Relief Association, 

American Relief Fund Associates, . 

Arlington Fireman's Relief Association, . 

Auburndale Fraternal Benevolent Association, 

Bank Officers' Association, .... 

Beverly Farms Firemen's Home Benefit Association, 

Beverly Firemen's Relief Association, 

Boston Brother and Sister Dramatic and Operatic Association, 

Boston Firemen's Mutual Relief Association, 

Boston Fraternity League, 

Boston Fruit and Produce Exchange Benefit Assoch 

Boston Letter Carriers' Mutual Relief Association, 

Boston & Maine Railroad Relief Association, 

Boston Police Relief Association, 

Boston Teachers' Mutual Benefit Association, 

Boston Terra-Novian Association, . 

Boylston Mutual Aid Society, . 

Bradford Firemen's Relief Association, 

Brookline Firemen's Relief Association, 

Brookline Police M. A. Association, 

British American Death and Relief Fund, 

Burnham L. G. Mutual Relief Association, . 

Cambridge Benevolent Association, 

Cambridge Police Mutual Aid Association, 

Canadian Union Association, .... 

Catholic Association, Corporation of the Members 

Chelsea Mutual Benefit Association, 

Chelsea Police Relief Association, . 

Clinton Firemen's Relief Association, 

Columbian Mutual Benefit Association, . 

Commercial Travelers' Association, New England, 

Deutscher Unterstuetzungs-Verein, . 

Fall River Firemen's Mutual Relief Association, 

Franco-American Union, 

Franklin Mutual Benefit Association (closed) . 
Fraternal Association, Boston, 
French Sharpshooters, Club of the, 
Gambrinus Mutual Aid Society, 
Gardner Firemen's Relief Association, . 
Garibaldi Italian Society, .... 

George Washington Italian Society, 
Glenmere Mutual Benefit Association, 
Globe Mutual Aid Association, 



of, 



. lxii-lxxvii 
. lxii-lxxvii 
. lxii-lxxvii 
. lxii-lxxvii 
. lxii-lxxvii 
. lxii-lxxvii 
. lxii-lxxvii 
. lxii-lxxvii 
. lxii-lxxvii 
. lxii-lxxvii 
. lxii-lxxvii 
. lxii-lxxvii 
. lxii-lxxvii 
. Ixii-lxxviii 
. Ixii-lxxviii 
. Ixii-lxxviii 
. lxiii-lxxviii 
. lxiii-lxxviii 
. lxiii-lxxviii 
. lxiii-lxxviii 
.lxiii-lxxviii 
.lxiii-lxxviii 
. lxiii-lxxviii 
. lxiii-lxxviii 
. lxiii-lxxviii 
.lxiii-lxxviii 
. lxiii-lxxviii 
.lxiii-lxxviii 
. lxiii-lxxviii 
. lxiii-lxxviii 
lxiii-lxxix, 305 
. lxiii-lxxix 
. lxiii-lxxix 
. lxiii-lxxix 



lxiii-lxxix 
lxiv-lxxix 
lxiv-lxxix 
lxiv-lxxix 
lxiv-lxxix 
lxiv-lxxix 
lxiv-lxxix 
lxiv-lxxi^ 



348 



INDEX TO COMPANIES. 



Gloucester Fire Department Relief Association, 
Golden Cross of Messina, .... 

Haverhill Hebrew Beneficiary, 
Heywood Accident Association, 

Israel Brotherhood, 

Italian Fruit Dealers' Association, . 

Italian Labor Society of Milford, . 

Italian Mechanics Mutual Relief and Benevolent Society, 

Italian Mutual Relief Society of Marsico Nuovo Workmen, 

Italian Mutual Relief Protective Society, St. Mary's, of Seven Dolors, 

Italia, Societa di Mutuo, Soccorso, . 

Italian Society of Bandiera Brothers, 

Italian Young Men's Benevolent Eating Ciub, 

Italiana Societa di Unione e Fratellanzs, 

Italien Victor Emanuel II. M. B. S., 

Italy Military Society for Mutual Succor, 

Knights of St. Peter, 

Kurland Brotherhood, 

Ladies' Mutual Benefit Association, 

Lawrence Police Relief Association, 

Letter Carriers' Relief Association, . 

Lowell Police Relief Association, 

Loyal Ladies Clan McGregor No. 1, 

Lynn Fire Department, Relief Association of, 

Lynn Mutual Benefit Association, . 

Lynn Theatrical Mechanics' Association, 

Magee Furnace Mutual Benefit Association, . 

Maiden Fire Department, Relief Association of, 

Maiden Mutual Benefit Association, 

Martin, T., and Brother Manufacturing Co., M. B. A., 

Massachusetts Portuguese Benevolent Society. 

Mechanics' Mutual Aid Society, 

Men's Mutual Benefit Association of Fourth Presbyterian Church 

Methodist Ministers Relief Association, . 

Metropolitan Mutual Aid Association, 

Middlesex & Worcester Fanners' and Mechanics' Association, 

Mutual Relief Association of First Baptist Church, 

National Provident Union. .... 

New Bedford Police Association, 

New Bedford Teachers' Benefit Association, . 

New England Benefit Association, . 

New England Commercial Travelers' Association, 

Newfoundlanders' Mutual Benefit Association, 

Norwegian Society of Sept. 19, 1853. 

Old Colony Railroad Beneficial Association, 

Plymouth Mutual Benefit Association, . 

Polish Mutual Aid Society, 

Portuguese Union Benevolent Society, . 

Prcvoyance, La (French), 

Prince of Naples Benevolent Society, 

Progress and Help, 

Provision Clerks' Benefit Association, 
Quincy Firemen's Relief Association, 
Railway Passenger Conductors' Benevolent Association, New England 

(charter surrendered June 5, 1893). 
Rand Avery Supply Company Benefit Society, 



I'AOK 

. Ixiv-lxxix 

. Ixiv-lxxix 

. Ixiv-lxxix 

. Ixiv-lxxix 

. Ixiv-lxxix 

. Ixiv-lxxix 

. lxiv-lxxx 

. lxiv-lxxx 

lxiv-lxxx 

. lxiv-lxxx 

lxv-lxxx 

lxv-lxxx 

lxv-lxxx 

lxv-lxxx 

lxv-lxxx 

lxv-lxxx 

lxv-lxxx 

lxv-lxxx 

lxv-lxxx 

lxv-lxxx 

lxv-lxxx 

lxv-lxxx 

. lxv-lxxxi 

. lxv-lxxxi 

. lxv-lxxxi 

. lxv-lxxxi 

. lxv-lxxxi 

. lxv-lxxxi 

. lxv-lxxxi 

. lxvi-lxxxi 

. lxv-lxxxi 

. lxvi-lxxxi 

. lxvi-lxxxi 

. lxvi-lxxxi 

. lxvi-lxxxi 

. lxvi-lxxxi 

. lxvi-lxxxi 

lxvi-lxxxi, 322 

. lxvi-lxxxi 

. lxvi-lxxxi 

. lxvi-lxxxi 

lxiii, 305 

. lxvi-lxxxii 

. lxvi-lxxxii 

. lxvi-lxxxii 

. lxvi-lxxxii 

. lxvi-lxxxii 

lxvii-lxxxii 

lxvii-lxxxii 

lxvii-lxxxii 

lxvii-lxxxii 

lxvii-lxxxii 

lxvii-lxxxii 



lxvii-lxxxii 



INDEX TO COMPANIES. 



849 



Relief League of America, 

Retail Clothing Salesmen's Benefit Association, 

Revere Rubber Company Emp. Mutual Benefit Association, 

Rockland Firemen's Relief Association, 

Royal Italian Marine Society, . 

Roxbury Penny Aid Society, . 

Sagamore Mutual Benefit Association, 

Salem Mutual Benefit Association, . 

Scandinavian Hundred Men Society, 

Scandinavian Mechanics' Society, . 

Security, Order of, . 

Shillaber & Co., Indiana, Labor Union, 

Ship Carpenters' Union Death Benefit Association No. 1, 

Somerville Death and Sick Benefit Association, 

Somerville Firemen's Relief, 

Somerville Police Relief Association, .... 

St. Andre Corporation, 

St. Anthony's Italian Mutual Relief and Beneficial Society, 

St. Antonio, Society of, 

St. Jean Baptiste Societ6, 

St. John Baptist Mutual Aid Society, Grafton, 

St. John the Baptist Association, Holyoke, 

St. John Baptist Benevolent Society, Indian Orchard, . 

St. John Baptist Benevolent Society, Lowell, . 

St. John Baptist Benevolent Union, .... 

St. John Baptist Canadian Union, 

St. John the Baptist National Benevolent Union, . 

St. John Baptist, Webster, 

St. John the Baptist Society of Westborougb, 

St. John the Baptist Society of Beneficence, . 

St. John Baptist Society, Manchaug, .... 

St. Joseph's Benevolent Protective and Charitable Society, 

St. Joseph's Societ6 de Secours Mutuels, 

St. Lawrence Catholic Total Abstinence and Beneficial Society, 

St. Mary's Auxiliary of Christians Mutual Relief and Benefit Society, 

St. Mary's R. C. Total Abstinence Benevolent Literary Society, 

St. Michael the Archangel, Society of, 

St. Michael Mutual Benefit Society, 

Springfield Police Relief Association, 

Star of Calabrie, 

State Street and Highland Baptist Churches M. R. Corporation, 

Steamboat Pilots, American Brotherhood of, . 

Swedish Mutual Relief Society, Scandia, .... 

Swedish Society of "Vega," 

Teachers' Annuity Guild, 

Theodore Winthrop Benefit Association (dissolved Dec. 6, 1892). 

Tufts, James W., Mutual Aid Society, 

The Union, 

Unabhangiger Gegenseitiger Kranken, etc., 
Union des Ouvriers Society, 
Warren Fraternal Benefit Association, 
Wenham Mutual Benefit Association, 
Whitman Firemen's Relief Association, 
Winchester Firemen's Relief Association 
Winchester Mutual Benefit Association, 
Woburn Mutual Benefit Association, 



Page 

lxvii-lxxxii 

lxvii-lxxxii 

lxvii-lxxxii 

lxvii-lxxxii 

lxvii-lxxxiii 

lxvii-lxxxiii 

lxvii-lxxxiii 

lxvii-lxxxiii 

lxvii-lxxxiii 

lxvii-lxxxiii 

lxvii-lxxxiii 

lxvii-lxxxiii 

lxviii-lxxxiii 

lxviii-lxxxiii 

lxviii-lxxxiii 

lxviii-lxxxiii 

lxviii-lxxxiii 

lxviii-lxxxiii 

lxviii-lxxxiii 

lxix-lxxxv 

lxix-lxxxiv 

lxix-lxxxiv 

lxix-lxxxiv 

lxix-lxxxiv 

lxix-lxxxiii 

lxix-lxxxiv 

lxix-lxxxiv 

. lxix-lxxxv 

. lxix-lxxxv 

. lxix-lxxxv 

lxix-lxxxiv 

lxviii-lxxxiii 

lxviii-lxxxiii 

lxviii-lxxxiii 

lxviii-lxxxiv 

lxviii-lxxxiv 

lxviii, lxxxiv 

lxviii-lxxxiv 

. lxix-lxxxv 

lxviii-lxxxiv 

lxviii-lxxxiv 

lxviii-lxxxiv 

. lxix-lxxxv 

. lxix-lxxxv 

. lxix-lxxxv 



lxix- 
lxix- 
lxix- 
lxx- 
lxx- 
lxx- 
Ixx- 
lxx- 
lxx- 
lxx- 



lxxxv 
lxxxv 
lxxxv 
lxxxv 

lxxxv 
lxxxv 
lxxxv 
lxxxv 
lxxxv 
lxxxv 



350 INDEX TO COM TAMES. 

Page 

Worcester Firemen's Relief Association, lxx-lxxxv 

Worcester Police Relief Association Ixx-lxxxvi 

Workman's Auxiliary Aid, Ixx-lxxxvi 

Workmen's Benefit Association Ixx-lxxxvi 

Young Men's Italian M. B. Society of St. Antonio of Padova, . . . Ixx-lxxxvi 

Young Men's Mutual Aid Society lxx 

Young Men's Protestant Temperance and Benevolent Society, . . .Ixx-lxxxvi 



ASSESSMENT ENDOWMENT CORPORATIONS. 

Abraham Lincoln Benefit Association, xxiii 

American Co-operative Union, xvi 

American Friendly Society, xviii 

American Mutual Relief (formerly Red Men's Mutual Relief Association of New 

England), xviii 

American Protective League, xx 

Bay State League, xvi 

Catholic Crusaders of the Holy Cross, xxi 

Commercial Endowment Association xix 

Fraternal Associates of America xxiv 

Friendly Aid Society, xxiii 

Golden Lion, xxi 

Guardian Endowment Society, xvi 

Household Benefit Association, xix 

Industrial Benefit Order, xvi 

Industrial Order of America, xxi 

International Benefit Order, xv 

Knights and Ladies of Columbia, xxiv 

Knights and Ladies of Protection, xxi 

Massachusetts Five Year Federation, xix 

Massachusetts Prudential Order, xxii 

Mutual One Year Benefit Order, xxi 

National Benefit Union, xvii 

National Congress of Friends, xviii 

National Fraternal and Beneficial Union, xviii 

National Three Year Benefit Order, xix 

North American Endowment Associates, xvi 

Non- Secret Endowment Society, xxii 

Order of ^Egis xx 

Order of the Annual Friend, xxiii 

Order of the Benevolent Union, xvii 

Order of Franklin, xviii 

Order of Fraternal Circle, xv 

Order of the Golden Grail, xx 

Order of the Golden Temple, xvii 

Order of the Helping Hand, xix 

Order of International Fraternal Alliance, xvii 

Order of the Iron Hall, xxiii 

Order of the Mystic Seven, xx 

Order of the North Star, xvi 

Order of the Rainbow xix 

Order of the Red Cross xx 

Order of the Royal Assurance League, xxiii 

Order of Safety, xvii 

Order of the Solid Rock, xvii 



INDEX TO COMPANIES. 351 

Tack 
Order of Tonti (expelled by legislative enactment, 1893). 

Order of Unity, xviii 

Order of the World, xxii 

People's Favorite Order, xx 

People's Five Year Benefit Order, xvii 

Progressive Benefit Order, xvii 

Royal Ark, xviii 

Royal Assurance League, xxiii 

Sons and Daughters of America, xxiii 

Union Endowment xxii 

United Endowment League (now United Reserve Fund Associates), . . . xxii 

United Order of Equity, xxi 

United States Two Year Benefit Order, xxii